Job Description

Develop and scale a portfolio of credit products for the Indian market (credit cards, EMI, BNPL, cash loans, secured credit cards etc).
Drive product performance: achieve portfolio growth, risk, and profitability targets (AR, PAR, NPL, conversion, utilization).
Market fit: analyze competitive landscape (banks, NBFCs, fintechs, co-branded programs) and tailor our product positioning.
Collaborate cross-functionally with risk, operations, analytics, marketing, and engineering teams to design and deliver best-in-class experiences.
Shape product strategy and roadmap: define priorities, manage sprints with tech teams, and coordinate local regulatory & compliance alignment (RBI, PCI-DSS, KYC/AML, etc.).
Define pricing and P&L; models — interest rates, EMI fees, GSTs, delinquency impact, promotions, etc.




Monitor KPIs and continuously improve conversion, activation, and repayment behavior metrics.
Own documentation: product BRDs, user flows, financial models, and business presentations.
Act as the voice of the Indian customer, ensuring that local user experience, culture, and financial behavior are reflected in product design.
Proven track record launching or managing credit card, EMI, BNPL, cash loan, or secured card products in India.
Solid understanding of:
Indian credit card market ecosystem (issuers, networks, co-brands, acquirers, processors, RBI norms);

Key Responsibilities:

📌 Lead Credit Product (Navi Mumbai)
🏢 Unity SFB
📍 Navi Mumbai