Job Title: Senior Product Manager – Lending & Credit (Airpay Capital)
Job Level: Senior level
Report to: General Manager – Product. Works closely with Engineering, Credit & Risk, Legal & Compliance, Business teams and external lending partners.
Department: Product – Airpay Capital (Lending & Credit)
Organization: Airpay Payment Services Pvt. Ltd (https://www.airpay.co.in/) | Airpay Capital (https://www.airpay.capital/)
Location: Mumbai (work from office)

Job Summary:

- Airpay Capital is the lending and credit arm of Airpay Payment Services, an RBI-licensed omnichannel payments platform. We offer digital credit products to merchants and consumers in partnership with RBI registered banks and NBFCs, distributed through Airpay’s merchant and consumer platforms.
- We are looking for a Senior Product Manager to own the lending product stack end-to-end — the multi-lender platform, lender integrations, onboarding and decisioning journeys, and the credit products built on top of it.
- The role sits at the intersection of product, engineering, risk, compliance and lending partners, and is accountable for taking credit products from concept to launch to scale.

Key Responsibilities:

- Own the product roadmap for Airpay Capital’s lending platform and credit products across unsecured and secured loans, EMI / Pay Later and cards.
- Design and evolve the multi-lender platform — lender eligibility, offer matching and ranking, and the underwriting and decisioning journey.
- Lead onboarding and integration of new bank / NBFC lending partners: scoping, API mapping, integration, testing and go-live.
- Build end-to-end merchant and consumer loan journeys — onboarding, KYC and consent, bureau-based eligibility, offer selection, disbursement and repayment.




- Drive distribution of credit products across Airpay’s merchant and consumer platforms, including partner commercial constructs.
- Ensure product design meets RBI Digital Lending Guidelines, KYC norms and data-protection (DPDP) requirements, in partnership with Legal & Compliance.
- Write PRDs, manage the backlog in Jira, run product / engineering / partner reviews and drive delivery through to launch.
- Define and track product metrics — funnel conversion, approval rates, turnaround time, disbursement and portfolio quality — and iterate on the product accordingly.

Required Qualifications:

- Bachelor’s degree in Engineering, Commerce or Business; MBA preferred. 
- 5–8 years of product management experience, with at least 3 years in lending / credit (LSP, lending marketplace, NBFC-tech, BNPL or bank digital lending).

Skills and Experience:

- Hands-on with the digital lending lifecycle: credit bureau pulls (CIBIL / CRIF), underwriting and decisioning,disbursement and reconciliation flows.
- Working understanding of co-lending, FLDG / DLG and LSP / marketplace constructs
- Has owned lender or partner API integrations end-to-end; can read a SOW and spec an API map independently.
- Proven delivery track record — PRD → Jira → prototype → launch; comfortable running three-way product / engineering / partner reviews.
- Working knowledge of RBI Digital Lending Guidelines, KYC norms and the DPDP Act.
- Strong analytical and communication skills; comfortable working with funnel and portfolio data.
- Good to have: o Secured lending journeys (gold loan / loan against property).
- Credit card issuance models — redirection vs. pre-approved / pre-qualified offers.
- 0→1 experience taking a lending product from concept to launch

Pay: ₹2,053,887.53 - ₹2,948,252.29 per year

Benefits:

- Versatile schedule
- Health insurance

Work Location: In person

📌 Senior Product Manager - Lending & Credit (India)
🏢 Airpay Payment Services Pvt.Ltd.
📍 India