Product Manager

The core responsibilities for the job include the following:
Product Strategy and Roadmap:
Define and own the product roadmap for lending, insurance, and mutual fund journeys (web + app).
Translate business goals (acquisition, approval rate, portfolio quality, and cross-sell) into clear product initiatives.
Prioritize features using data, effort-impact, and stakeholder inputs.
Digital Lending (LOS/LMS Journeys):
Design and improve journeys for loan application, KYC, underwriting, e-mandate, disbursal, and repayment.
Work with credit/risk teams to implement policies, rule engines, and bank statement analysis/bureau integrations.
Coordinate with NBFC / bank partners for product specs, APIs, and compliance requirements.
Insurance and Mutual Fund Journeys
Build and optimize journeys for insurance (life/health/general) and mutual fund products from lead to policy/order completion.
Work with IRDAI / SEBI / AMFI-compliant partners and platforms for product listing, quotes, journeys, and post-sale flows.
Enable cross-sell and upsell flows from lending customers to insurance/MF and vice versa.
Requirement Gathering and Documentation:
Convert business problems into clear PRDs, user stories, and acceptance criteria for the tech team.
Maintain up-to-date process flows, API specs (in coordination with tech) and configuration documents.
Execution with Tech and Design:
Work closely with engineering, QA and design to deliver features on time and with high quality.
Conduct UAT, sanity checks and ensure smooth releases across web and app.
Continuously refine UX to reduce drop-offs and improve conversions.
Data, Analytics, and Optimization:
Track key metrics: funnel drop-offs, approval rates, TAT, NPS, collection behaviour, cross-sell uptake, etc.
Use data and customer feedback to identify issues and drive A/B tests and improvements.
Compliance, Risk and Operations Alignment:
Ensure products are aligned with RBI, IRDAI, SEBI/AMFI guidelines and partner requirements.
Work with operations, collections, and customer support teams to build internal tools and dashboards for smooth servicing and tracking.
Stakeholder and Vendor Management:
Liaise with external partners (NBFCs, insurers, brokers, MF platforms, KYC providers, bureaus, PGs) for integrations and enhancements.
Run regular reviews with business, marketing, and leadership on product performance and roadmap.
Requirements:
3 - 6 years of experience as a Product Manager / Associate Product Manager in fintech / banking / insurance / investments.
Strong understanding of at least one of the following (and willingness to learn the others): Digital lending (personal loans / consumer loans), Insurance distribution (web/app journeys, POSP/corporate agent model), Mutual fund distribution / investment products
Experience working with tech teams, APIs, and mobile/web products.
Ability to write clear PRDs/user stories and work in agile/sprint-based environments.

Experience
6-10 yrs