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Job Title: Product ManagerLocation: Mumbai / IndiaExperience: 2–5 YearsReporting To: CEO / CBOAbout the Role:We are building a full-stack digital lending platform — spanning Loan Origination (LOS), Loan Management (LMS), underwriting, disbursements, and collections.We are looking for a Product Manager who will own critical product surfaces end-to-end, driving both growth and correctness across the lending lifecycle.This is not a coordination role. This is a high-ownership, execution-heavy role where you will:● Sit at the intersection of business, risk, and engineering● Drive measurable improvements in conversion, approval quality, and unit economics● Build products that handle real money, real compliance, and real-world edge casesWhat You Will Own:You will own key journeys across the lending funnel:● Onboarding & Acquisition (lead capture → application)● KYC & Identity Flows (Digilocker, CKYC, eKYC, etc.)● Credit Decisioning (bureau, rules, underwriting UX)● Loan Lifecycle (approval → disbursement → repayment experience)You are accountable for both:● User experience (conversion, drop-offs)● Business outcomes (approval rates, risk, revenue)Key Responsibilities:1. End-to-End Product Ownership● Own product areas from problem discovery → PRD → launch → integration● Act as the single-threaded owner for your product surfaces● Make clear trade-offs between growth, risk, compliance, and engineering complexity2. Product Strategy & Roadmap● Define and drive the roadmap aligned with:○ Business growth targets○ Risk and compliance constraints○ Operational efficiency● Identify high-leverage opportunities across the funnel:○ Reduce KYC friction○ Improve approval rates without worsening credit quality○ Optimize disbursement speed and reliability3. Deep Customer & Funnel Understanding● Build a granular understanding of:○ User behavior across onboarding and KYC flows○ Drop-offs at each stage○ Credit and approval bottlenecks● Spend time with:○ Ops teams (credit, collections)○ Real user journeys (calls, replays, data)4. Metrics Ownership & Data-Driven Decisions● Define and own key metrics:○ Conversion rates (step-wise funnel)○ Approval rates○ Drop-offs○ Disbursement success rate● Use SQL, dashboards, and raw data to:○ Diagnose problems independently○ Generate actionable insights● Translate insights into clear product decisions5. Execution Excellence● Write high-quality PRDs and specs that engineers can execute without ambiguity● Prioritize ruthlessly:○ Balance speed vs correctness (especially for money flows)● Drive execution across teams:○ Engineering○ Data Science○ Risk○ Compliance● Ensure on-time, high-quality releases6. Experimentation & Growth● Design and run A/B experiments across:○ KYC flows (Digilocker, document upload)○ Application UX○ Loan offers and pricing display● Continuously optimize:○ Funnel conversion○ Time-to-disbursement○ User experience7. Cross-Functional Leadership● Act as the glue between:○ Engineering (build)○ Risk (credit policies)○ Compliance (regulations)○ Business (growth targets)● Drive alignment without relying on hierarchy8. Fintech & Regulatory Thinking● Build products that are:○ Compliant by design○ Audit-friendly● Incorporate:○ RBI Digital Lending Guidelines○ KYC / PMLA requirements● Understand implications of product decisions on:○ Risk○ Collections○ Financial reportingMust-Have Skills:● 2–5 years of experience in Product Management● Strong understanding of fintech / lending / NBFC ecosystem● Hands-on experience with SQL and data analysis● Proven track record of improving product and business metrics● Strong written and verbal communication● Ability to work with ambiguity and high ownership environmentsWhy Join Us:● Own mission-critical lending journeys end-to-end● Work directly with founders of a listed NBFC.● Build products in a regulated, high-impact environment● High ownership, fast execution, real financial impact● Core employees get the perk of the larger upside