Core responsibilities

A) Product ownership

- Own the Credit Builder product roadmap prioritise features that directly improve credit score outcomes, user retention, and activation rates for new-to-credit and credit-repair segments

- Define and track the right success metrics: credit score improvement rates, on-time payment rates, product engagement and churn metrics

- Lead deep customer discovery with underbanked, credit-thin, and rebuilding-credit consumers. Translate nuanced financial anxieties into product opportunities and work closely with the marketing team to tap into the right customer cohort and align product roadmap

- Work closely with Third parties , Backend engineers, Data scientists , UI designers and front end developers to launch new features and monitor closely on Key KPIs defined for success

- Drive the full experimentation program hypothesis-driven A/B tests on onboarding, repayment nudges, Credit building tips, and reporting features.

- Closely monitor the Data sanity across the third party data source and the features logic

- Conduct regular product market fit research to continuously evolve the product

- Owning the User communication front - Campaign on Email / Push notifications/ SMS etc .

B) AI layer integration

- Define the AI product strategy for Credit Builder: identify which user problems are best solved through intelligent automation, personalization, or predictive nudging — and build the roadmap accordingly

- Partner with data science and ML engineers to design, ship,



and iterate on AI-driven features: personalized credit coaching, smart repayment reminders, risk-adjusted limit graduation, and behavior-based interventions

- Own the quality bar for AI outputs — define what “positive” looks like for model recommendations, set evaluation criteria, and hold the team accountable to user outcomes, not just model metrics

- Ensure AI features meet fairness, explainability, and compliance standards. Work with legal and risk to audit models for bias and document decisions for regulators

- Instrument AI features with the right telemetry — track recommendation acceptance rates, downstream score impact, and user trust signals to drive continuous improvement

Must have

- 3+ years in product management - consumer fintech, lending, or credit product background is preferable

- Strong grasp of credit scoring mechanics (FICO, VantageScore)

- Hands-on experience working alongside ML or data science , UI / design teams and backend engineering teams

- Comfort with Python , SQL, Excel experimentation, and outcome-driven metrics

- Experience shipping consumer mobile at scale

Nice to Have

- Experience with secured cards, credit-builder loans, or BNPL

- Worked with alternative credit data (rent, utilities, payroll)

- Shipped AI/ML-powered features in a consumer product context

- Familiarity with model cards, bias audits, or responsible AI practices

- Experience at a neobank, CDFI, or credit union

📌 Product Manager - Credit Builder (Bengaluru)
🏢 Ropay Limited Liability Partnership
📍 Bengaluru