Smartcoin·1 month ago
1 month ago
Product Manager
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About this role
About Olyv
Olyv is India's fastest-growing, fully automated next-generation fintech company focused on addressing the credit requirements of self-employed micro-entrepreneurs, micro-merchants, and middle and lower-income salaried individuals. In addition to lending solutions, our platform offers digital gold savings, credit health products, and other financial wellness solutions.
Headquartered in Bengaluru, Olyv was founded in 2017 with the mission of driving financial inclusion for the underserved market. With over 13 million users and presence across 19,000+ pin codes, Olyv leverages AI and ML-powered technology to deliver instant, fully digital credit solutions at scale. The company is backed by leading investors and has been recognized globally for its contributions to financial inclusion.
Our Culture
At Olyv, we are passionate about solving complex customer problems through technology and innovation. We foster a culture of ownership, collaboration, and continuous learning, empowering our teams to build world-class products that create meaningful impact. If you enjoy working in a fast-paced environment and are excited about transforming the FinTech ecosystem, Olyv is the place for you.
About the pod
The Cobranded & Web Pod owns two of Olyv's highest-leverage acquisition surfaces:
- Cobranded partnerships — embedded and SSO-based lending journeys built with partners like Flipkart, PhonePe and Moneycontrol, where a user starts on the partner's app and completes a loan with us.
- The web acquisition funnel — our owned browser journey from landing page through OTP, KYC, offer, and disbursal.
Both are conversion-critical, integration-heavy, and measured in basis points. Small changes to an OTP retry rule or a dedupe response can move lakhs of rupees in monthly disbursals.
What you'll own
- End-to-end partner journeys. Scope, spec and ship new cobranded integrations — API contracts, dedup logic, SSO and consent handling, redirection flows, rejection and fallback states. You'll be the person partner product/engineering teams talk to.
- Web funnel conversion. Own step-wise Product Conversion across the web journey. Find the drop-offs, form hypotheses, and ship fixes — OTP delivery channels, KYC routing, lender selection, bank verification error handling, payment redirection.
- Experimentation. Design and read A/B tests properly: sizing, traffic splits, guardrail metrics, persona-level cuts. Kill things that don't work, and say so clearly.
- Writing. PRDs, API contract docs, go-live checklists, RCAs. Our pod runs on written specs that engineering can build from without a follow-up meeting.
- Launch and aftercare. Go-live coordination with partner, LMS, risk and compliance teams; post-launch funnel monitoring; retros when something breaks.
What we're looking for
- 2–4 years in product management, ideally in fintech, lending, payments, or another regulated consumer funnel.
- Demonstrated ownership of a conversion funnel — you can talk about a specific metric you moved, what you tried, and what failed.
- Comfort with API-level detail. You should be able to read a request/response contract, spot a missing field, and argue for it with a partner's engineer.
- Clear, structured writing. We'll ask for a writing sample or a take-home spec.
- Stakeholder range — you'll work with external partner teams, internal engineering, credit, risk, and compliance in the same week.
Nice to have
- Experience shipping a cobranded, embedded, or SSO-based partner integration end to end.
- Exposure to Indian lending infrastructure — CKYC, CIBIL/bureau pulls, UPI/eNACH mandates, KFS and loan agreement delivery, RBI digital lending guidelines.
- Familiarity with Figma and Tableau and SQL analytics
What success looks like
- First 30 days: you can draw the full web and cobranded funnels from memory, with current conversion at each step and the top three drop-off reasons.
- First 90 days: you've shipped at least one funnel improvement with a measured lift, and you're running partner conversations independently.
- First 6 months: you own a live partner integration end to end and have a prioritised roadmap that the pod and leadership both believe in.
Why this role
You'll be close to revenue, with a short line between a decision you make and a number that moves. The pod is small, the surface area is large, and nobody will hand you a backlog — you'll build it.
Company
Smartcoin
Bengaluru, India
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