Senior Product Manager – Lending

Functional Expertise

Loan Origination & Approval Rates: — Own the end-to-end loan origination funnel — application, KYC, underwriting and disbursal. Drive sprint-on-sprint improvements in approval rates and disbursal TAT through experimentation and friction removal.

Lender & NBFC Partnerships: — Onboard and integrate NBFC and bank lending partners. Build and tune the multi-lender routing/waterfall to lift approval rates, expand credit coverage and optimise cost of funds.

Credit Policy & Risk Integration: — Translate credit policy into product: eligibility rules, the business rules engine (BRE), limit assignment and line management. Partner with credit and risk to balance approval rates against portfolio quality.

Repayments & Collections: — Own the repayment experience — eNACH/UPI Autopay mandates, EMI schedules, foreclosure and early-stage collections nudges. Reduce delinquency and raise on-time repayment.

AI as a First-Class Lever

Bring an AI-first approach to product and operations — use AI to write BRDs and PRDs, accelerate research and competitive analysis, assist underwriting and document processing, and identify opportunities where AI meaningfully improves approval rates and risk decisioning.

Interaction

Cross-Functional Coordination: — Credit, risk, lender partners, tech, design, compliance. Weekly tech syncs, monthly business reviews, quarterly planning.

Borrower & Partner Empathy: — Spend time with borrowers and lending partners. Run interviews, sit in on collections and support calls, and build real intuition for how first-time and repeat borrowers across India experience credit.

Problem Solving

Funnel & Cohort Analytics: — Read the lending funnel, run cohort analyses on approval, disbursal and repayment, and own the dashboards that drive your KRAs. Separate real product gaps from credit-policy effects.

Experimentation: — Design and run A/B tests at velocity across the lending funnel. Build a culture of evidence over opinion across the lending product team.

Strategic Vision: — Translate FY26–27 ambition into a sequenced roadmap. Defend it with data when priorities collide.

Qualification & Experience

Bachelor’s degree in Engineering, Business or related field; MBA preferred but not mandatory.

5–8 years in product management, with 3+ years owning lending or credit product surfaces.

Direct experience in the lending domain — NBFC, fintech lending, digital lending, BNPL or EMI — is required. Hands-on understanding of the loan lifecycle: origination, KYC, underwriting, disbursal, repayment and collections.

Proven track record of moving approval rates, disbursal volume or portfolio metrics — with numbers.

Experience working with NBFC/bank lending partners and integrating loan origination/management systems (LOS/LMS), credit bureaus and lender APIs.

Strong working knowledge of India’s lending and fintech rails — co-lending, FLDG/DLG arrangements, RBI Digital Lending Guidelines, Key Fact Statement (KFS), Account Aggregator framework, eNACH/UPI Autopay, and EMI & Credit Line on UPI.

Hands-on fluency with AI tools in daily product work — LLM assistants for spec writing, prompt design for research and analysis, and a clear point of view on where AI fits in a lending stack.

Excellent written and verbal communication. Crisp PRDs. Can defend a roadmap without slides.