Roles & Responsibilities
Product Strategy & Roadmap
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Own the product strategy and roadmap for the unsecured business loan portfolio.
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Develop Unsecured products and policies in alignment with Credit and Risk teams.
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Build Lending surrogates based on historical data
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Create relevant MIS reports in coordination with Data Science team
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Analyse the portfolio based on sourcing pattern from Direct marketing, Channel partners and DSAs
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Translate business goals into product features and user journeys, keeping customer needs at the core.
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Work closely with stakeholders (business, tech, risk, legal, ops) to ensure alignment with organizational objectives.
Customer Experience & Journey Mapping
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Build seamless, intuitive, and mobile-first journeys for customers across acquisition, underwriting, disbursement, servicing, and closure.
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Optimize application flow, reduce friction, and improve funnel conversions using user research, A/B testing, and data-driven decision-making.
Digital Lending & Technology Integration
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Collaborate with engineering teams to develop digital lending workflows, including integrations with LOS, LMS, APIs (e.g., CKYC, Account Aggregator, Credit Bureaus, LegalTech platforms).
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Define and document detailed product requirements, BRDs/PRDs, and user stories.
Risk & Compliance
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Ensure the product is aligned with internal credit risk frameworks and regulatory guidelines (RBI norms for NBFCs, KYC/AML, etc.).
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Partner with Risk, Legal & Compliance to embed controls, fraud checks, and audit readiness into the product design.
Analytics & Optimization
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Monitor product performance metrics such as application volume, approval rate, TAT, NPA trends, and customer satisfaction.
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Identify opportunities for improvement through data analysis, market feedback, and competitor benchmarking.
Cross-functional Collaboration
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Liaise with Sales, Credit, Collections, Legal, Operations, and Customer Support to ensure a cohesive product experience.
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Conduct regular training and knowledge-sharing sessions for frontline teams to drive product understanding.
Desired Skills & Qualifications
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MBA/PGDM in Finance, Business, or related field from a reputed institute.
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8–10 years of experience in Product Management, preferably in NBFCs, Fintech, or BFSI.
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Strong understanding of unsecured business lending products and their nuances.
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Knowledge in building and scaling digital products (web and mobile) in a fast-paced environment is an addon.
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Familiarity with lending technology stack – LOS, LMS, API integrations, and underwriting automation tools.
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Data analysis using tools like Excel, SQL, Tableau, or similar.
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Strong stakeholder management, problem-solving, and communication skills.
