Job Summary

Looking for Product Lead who will own the technology-driven product lifecycle of the personal loan offering from system architecture and platform capability to launch, performance monitoring, and continuous optimisation. This is a tech-centric product role requiring hands-on fluency with the LOS/LMS stack, APIs, and digital lending infrastructure, combined with the ability to align multiple department heads (HODs) around a shared product roadmap for overall business performance.

Key Responsibilities

- Own the technology roadmap for the personal loan product who drive enhancements to the Loan Origination System (LOS), Loan Management System (LMS), CRM, and customer-facing digital journeys (app/web).
- Partner with the Technology/IT/Engineering HOD to define system architecture, API integrations (credit bureaus, KYC/Aadhaar e-sign, payment gateways, UPI AutoPay/NACH), and platform scalability requirements.
- Translate business and credit requirements into detailed functional/technical specifications (BRDs/PRDs/user stories) for developers and QA teams and own UAT sign-off before releases. Drive automation and digitisation of the loan journey from onboarding, KYC, credit decisioning, e-sign, disbursal, and repayment to reduce manual intervention and improve TAT.
- Collaborate with the Credit & Risk HOD to translate underwriting policy and scoring logic into system rules and automated decision engines.
- Work with the Compliance & Legal HOD to ensure all product workflows, data handling, and system processes meet RBI/NBFC regulatory and data-security requirements.
- Align with the Sales & Business HOD on product positioning,



ticket-size/tenure structures, and channel-specific journey requirements (DSA, digital, in-house).
- Partner with the Marketing HOD on data requirements for campaign targeting, lead scoring, and conversion-funnel tracking.
- Own product analytics and reporting infrastructure from set up dashboards (Power BI/SQL) to track approval rate, disbursement TAT, drop-off points, portfolio yield, and system uptime.
- Benchmark competitor personal loan platforms (fintechs, NBFCs, banks) on technology and journey experience and recommend product/tech differentiation.

Required Qualifications & Experience

- Robust, hands-on understanding of digital lending technology architecture — LOS/LMS platforms, API integrations, credit bureau pulls, e-KYC/e-sign, payment/NACH systems.
- Ability to write and review BRDs/PRDs, work with Agile/Scrum delivery teams, and manage release cycles alongside Engineering.
- Solid grasp of personal loan/unsecured lending products, credit underwriting logic, and NBFC operations.
- Strong analytical skills — comfortable working with SQL/Power BI/Excel to interpret system and portfolio data for product decisions.
- Working knowledge of RBI regulatory guidelines and data-security/IT-compliance requirements applicable to NBFC digital lending.
- Excellent stakeholder management, communication, and cross-functional leadership skills.
- Bachelor’s degree in engineering/technology/computer science preferred;

Working Hours and Days Full Time

- Monday to Saturday (Sat – WFH)
- 10:00 A.M. – 6:30 P.M

Pay: ₹1,000,000.00 - ₹1,500,000.00 per year

Work Location: In person

📌 Product Manager (Pitam Pura)
🏢 Kasar credit and capital private
📍 Pitam Pura