Key Responsibilities

1. Strategic Roadmap & Prioritization

* Vision Ownership: Define the multi-year roadmap for the LOS, balancing current product launches (e.g., transitioning from Unsecured to Secured) with technical debt.

* Backlog Grooming: Manage and prioritize a high-velocity product backlog to ensure the engineering team works on high-impact features.

* Stakeholder Buy-in: Navigate conflicting requirements from Risk (who want more friction/checks) and Sales (who want one-click disbursements).

2. Technical Orchestration & Architecture

* System Evolution: Lead the transition from monolithic LOS architectures to Microservices-based architectures.

* Vendor Ecosystem: Evaluate and onboard third-party Fintech partners (Liveness checks, Account Aggregators, BRE engines) and manage the "Build vs. Buy" decision-making process.

* Regulatory Compliance: Ensure the product journey is "Compliant by Design," incorporating RBI/Global regulatory mandates into the automated workflow.

Segmented Competence Matrix

A. Unsecured Lending Mastery (Lead Level)

Focus: Hyper-Scalability & Data-Driven Growth

* BRE Orchestration:



Expertise in configuring complex Business Rule Engines that can process 10,000+ applications daily without manual intervention.

* Funnel Analytics: Using data to identify micro-conversions and implementing A/B testing on different credit policy rules.

* Collection Integration: Designing the handshake between the LOS and the Collections/Recovery systems for early-warning signals.

B. Secured Lending Mastery (Lead Level)

Focus: Risk Mitigation & Ecosystem Integration

* LTV Optimization: Dynamically adjusting Loan-to-Value ratios based on real-time market data or collateral depreciation models.

* Legal Tech Integration: Automating the "Title Search" and "Lien Marking" processes via integration with government property or education registries.

* Complex Disbursement: Managing "Tranche-based" disbursements common in Education or Construction loans, linked to physical milestones.

* Experience: 4+ years in Product Management/Ownership, specifically in Lending/FinTech.

* Proven Track Record: Experience in scaling a lending product from MVP to high-volume production.

📌 IT Product Owner- LOS (Mumbai)
🏢 SKILLVENTORY
📍 Mumbai