Role Overview
DMI Finance is looking for a highly analytical and execution-focused AVP – Product to be part of our Consumption Loan (CL) product team. The incumbent will be responsible for end-to-end product ownership, including strategy formulation, partner integrations, risk alignment, regulatory compliance, and performance optimization.

• Deep expertise in Consumer Durable Loans, with strong understanding of end-to-end customer journeys including merchant onboarding, consumption loan product construct, subvention/CIB schemes working, credit underwriting, loan origination, disbursement, EMI servicing, collections, and loan closure processes.

• Hands-on experience working with ecosystem partners including online merchants, OEMs, retailer networks, payment gateways, lending service providers (LSPs), bureaus, and digital KYC providers, with a clear understanding of point-of-sale consumer durable financing, embedded lending journeys, and regulatory compliance requirements.

• Solid familiarity with operational, credit, fraud,



and portfolio management nuances across the Indian consumer lending ecosystem.

Key Responsibilities

• Define and drive the product strategy and roadmap for the Consumer Durable Loans portfolio.
• Design and optimize customer acquisition journeys across online, offline, and merchant-assisted channels.
• Lead integrations and operational alignment with merchant partners, OEMs, online E-commerce platforms, payment gateways, credit bureaus, eKYC providers, Account Aggregators, and lending technology platforms.
• Build and manage loan origination, approval, disbursement and EMI servicing flows
• Monitor portfolio performance including disbursals, approval rates, conversion rates, delinquency trends, NPAs, collection efficiency, and profitability metrics.
• Collaborate closely with Risk, Legal, Compliance, Technology, Operations, Collections, and Business teams to ensure seamless execution and adherence to RBI regulations.
• Prepare detailed Produ

📌 AVP Product (India)
🏢 DMI Finance Private
📍 India