Getshopse·2 months ago
2 months ago
Senior Product Manager – Lending
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About this role
| 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.
Company
Getshopse
Mumbai, India
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