AVP Product LOS

About FinAGG
FinAGG Technologies is a Noida-based MSME fintech group that builds and runs cash-flow-based lending for banks and NBFCs. The group has three regulated arms: FameScore (RBI-authorised TSP and GST Suvidha Provider), FinAGG Services (Lending Service Provider under the RBI Digital Lending framework) and QCF Capital (NBFC).
The FinAGG LOS is the platform this role owns. It runs supply chain finance, GST-based Overdraft and Term Loan journeys for large private sector banks, PSU banks and small finance banks, and has processed 10 lakh+ MSMEs.
The platform today:
Borrower-facing PWA journey plus a back-office portal for RM, Credit, Ops and post-sanction users
Configurable BRE that supports cash-flow-based assessment models
Pre-integrated with CKYC, GST, Account Aggregator, multiple bank statement analysers, MCA, and in-house document identification and fraud checks
Post-sanction stack covering document generation, eNACH and paper NACH, co-lending, escrow and bank payment APIs
Partner sourcing APIs that let third-party apps originate leads and hand borrowers into the journey
The role
You own the FinAGG LOS as a product: the roadmap, journey design, BRD quality and release outcomes for every bank and NBFC on the platform.
The mandate is to move the platform from product-by-product builds to one configurable rail for MSME credit. That rail must cover unsecured and secured products in a single journey: Overdraft, Drop-line OD, Term Loan, Loan Against Property, Equipment Finance and Purchase or Invoice Finance.
This is a hands-on role. You will write BRDs, sit with bank policy and credit teams, configure rules with engineering and stay with an implementation until it is live and stable.
Key responsibilitiesProduct strategy and roadmap
Own the LOS roadmap across supply chain finance, GST-based OD, Term Loan and secured MSME products
Prioritise by lender demand, revenue and reuse across clients
Turn bank-specific asks into configurable platform capabilities instead of one-off builds
Track what competing LOS platforms offer and what lenders now expect as standard
Journey and policy design
Design end-to-end journeys: sourcing, onboarding, KYC, data pull (GST, Account Aggregator, bureau, banking), eligibility and offer, sanction, documentation, e-sign and e-stamp, mandate, disbursement and post-sanction
For secured products, design collateral capture, valuation, legal and technical verification, charge creation (CERSAI, ROC) and the deviation and approval matrix
Own BRE configuration with lender credit policy teams: scorecards, eligibility calculators, deviations, pricing, fees and state-wise stamp duty
Define partner and embedded sourcing flows: pre-offer, redirection, status and re-login
BRD and delivery
Write and own the BRD for every implementation and get lender sign-off before build starts
Run change control so that scope, timelines and commercials move together
Work with engineering and QA on sprint planning, UAT, release and production stability
Lead UAT with the lender and own go-live readiness
Lender and internal stakeholders
Be the product counterpart to bank and NBFC product, policy, credit, risk, IT and information security teams
Support the business team in pre-sales: demos, solution notes, RFP responses, effort and commercial sizing
Keep Credit, Ops, Collections and Tech aligned on what is being built and why
Compliance and controls
Keep every journey aligned with RBI Digital Lending Directions, KYC norms, co-lending guidelines and data protection requirements
Own product responses in lender information security and audit reviews
Metrics and team
Own platform metrics: login-to-sanction conversion, stage-wise drop-off, turnaround time, straight-through rate and defect leakage
Lead and grow a team of product managers and business analysts
What you bring
10–14 years in lending technology or lending product, with at least 5 years owning an LOS for MSME credit, secured or unsecured
At least two LOS implementations delivered end to end, from BRD to go-live, at a bank, NBFC or lending-technology company
Working knowledge of MSME underwriting: GST, banking, bureau and financial data, and cash-flow-based assessment
For secured lending backgrounds: collateral, valuation, legal and technical checks, CERSAI and charge creation
For unsecured lending backgrounds: business loans, OD or invoice finance with data-led, low-touch decisioning
Hands-on with BRE configuration and integrations: bureau, CKYC, Account Aggregator, GST, bank statement analysers, eNACH, e-sign, e-stamp, CBS and LMS
BRDs or PRDs you wrote that a bank or NBFC signed off and built against
Comfort in the room with bank product, policy, credit and IT heads
Working knowledge of RBI Digital Lending Directions, KYC and co-lending guidelines
Experience leading product managers or business analysts
Graduate degree; engineering or MBA preferred
Good to have
Experience across both secured and unsecured MSME products
Supply chain finance, dealer or vendor finance, or invoice finance origination
OD, CC or Drop-line OD products integrated with a bank core banking system
Time on both sides of the table: at a lender and at a lending-technology vendor
Co-lending, escrow and bank payment API flows
RM-assisted, DSA and partner-app sourcing models
PSU bank implementations, including RFP and procurement processes

Work arrangement
No