Job Summary

We are looking for a Junior Product Manager - Decision Intelligence to help build a next-generation Collections Intelligence Platform from 0 to 1.

The platform will act as an intelligence layer for collections, helping collection managers, business teams, Credit Risk, Finance and senior leadership make data-driven decisions to improve collection efficiency and recovery outcomes.

The platform will combine multiple data sources, analytics, business rules and predictive/AI-ML models to answer critical collections questions such as:

- Who should be contacted
- When should they be contacted
- Which channel should be used
- What collection strategy or treatment should be applied
- Which agent should handle the customer
- When should a case be escalated
- What is the most effective action to maximise recovery

This is a hands-on product role that will work closely with Collections, Credit, Risk, Data Science, Engineering, Analytics, Operations and external technology partners to translate complex collections requirements into scalable product solutions.

The platform will initially support a single lending product and will subsequently scale across multiple lending products.

Job Details

- Job Level: Junior
- Department: Product / BIU
- Location: Bengaluru
- Employment Type: Full Time
- Experience Required: 2-4 Years
- Job Type: Onsite
- Reports To: Senior Product Manager

What You'll Work On

1. Build the Decision Intelligence Platform from 0 1
- Work closely with the Product Manager to build the collections intelligence platform from concept to launch.
- Deeply understand collections processes, challenges and decision-making frameworks.
- Translate business and collections requirements into clear product requirements.
- Identify opportunities where data, analytics, rules and models can improve collections outcomes.
- Contribute to defining product workflows, decision journeys and system requirements.
- Help build a scalable platform that can eventually support multiple lending products.

- Build Intelligence into Collections

Work on product requirements that enable intelligent decision-making across the collections lifecycle, including:

- Pre-delinquency
- Early bucket collections
- Late bucket collections
- NPA and recovery
- Digital collections
- Field collections
- Agency collections
- Settlement and recovery





The platform should enable data-driven decisions around:

- Customer prioritisation
- Contact strategy
- Contact timing
- Channel selection
- Collection treatment
- Agent allocation
- Escalation
- Recovery strategy

Work with Data Science and Analytics teams to translate these decisioning requirements into effective product solutions.

- Product Requirements PRDs

- Own the creation and maintenance of PRDs for the Decision Intelligence Platform.
- Convert complex business requirements into transparent product specifications.
- Define business rules, decision logic, workflows, use cases and edge cases.
- Document data requirements, model requirements, system dependencies and integrations.
- Create user journeys, process flows and wireframes where required.
- Work closely with Engineering, Data Science and Analytics teams to ensure requirements are clearly understood.
- Participate in product discussions, reviews, UAT and validation of product outcomes.

- Data, Analytics Decisioning

Work with multiple internal and external data sources to build meaningful intelligence into the collections process.

Data sources may include:

- LMS data
- Credit bureau data such as CIBIL
- WhatsApp and digital communication data
- IVR data
- External vendor data
- Customer interaction and repayment data
- Collections and agent performance data

Work closely with Data Science, Analytics and Engineering teams to define:

- Data requirements
- Model inputs and outputs
- Decision rules
- Decision engines
- Model-based recommendations
- Product dashboards and insights
- Feedback loops to continuously improve decision quality

You will be expected to understand how different models and rules translate into actionable decisions within the collections ecosystem.

- Collections Business Understanding

- Work closely with Collections teams to understand ground-level operational challenges.
- Understand how collection managers make decisions and identify opportunities for technology-led improvement.




- Translate collections strategies into structured product requirements.
- Analyse existing processes to identify inefficiencies, gaps and opportunities for automation.
- Use data and business insights to support product recommendations.
- Continuously evaluate whether product decisions are improving collections outcomes.

- Technology Integrations

- Work closely with Engineering teams throughout the product development lifecycle.
- Define requirements for APIs, integrations and data flows.
- Work with internal systems and external technology vendors to enable data and decisioning capabilities.
- Understand dependencies between LMS, collections systems, data platforms and decision engines.
- Support integration of external data sources and vendors.
- Ensure product requirements account for scalability, reliability and operational efficiency.

- Stakeholder Vendor Management

- Collections
- Credit
- Risk
- Data Science
- Engineering
- Analytics
- Operations
- Finance
- Business teams
- Senior Leadership

You will also work with external technology and data vendors to understand capabilities, define requirements and support successful integrations.

What Success Looks Like

The success of this role will ultimately be measured by the ability of the platform to improve collections efficiency through better, faster and more data-driven decision-making.

Key business outcomes include:

- Improvement in overall collection efficiency
- Reduction in roll-forward
- Improvement in cure rates
- Improvement in PTP conversion
- Improvement in customer contactability
- Increase in agent productivity
- Reduction in cost of collections
- Improvement in recovery rates
- Increase in digital payment conversion
- Improvement in NPA/recovery outcomes

From a product perspective, success will also mean:

- High-quality and well-defined PRDs
- Faster translation of business problems into product solutions
- Effective implementation of decisioning requirements
- Successful integration of data and intelligence sources
- Ability to scale the platform from one lending product to multiple products

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

📌 Junior Product Manager - Decision Intelligence | Collections (Bengaluru)
🏢 Sayyam Investments
📍 Bengaluru