Responsibilities
Map and document end-to-end journeys for borrowers and lenders: sign-up, KYC, Account Aggregator bank linking, BQS™ assessment, loan listing, lender matching, e-agreement, disbursement, EMI collection and lender payouts
Write explicit PRDs, user stories and process flows for new features and process changes; work with Tech to get them built and tested (UAT)
Own loan operations SOPs – disbursement, escrow/nodal account fund flows, repayment allocation, reconciliation and lender settlements
Coordinate with collections and recovery partners on overdue cases and maintain clean timely MIS
Identify manual steps and drive automation with Tech and vendor partners
Make sure processes follow RBI Master Directions for NBFC-P2P – lender/borrower exposure limits, escrow rules, fund-transfer timelines, disclosures and Fair Practices Code
Maintain audit-ready documentation and support internal, statutory and RBI audits and regulatory reporting
Build maker-checker controls and exception tracking into key ops processes.




Build dashboards and reports on disbursement volumes, portfolio performance, DPD buckets, TAT and customer issues
Act as the bridge between Product, Tech, Credit, Compliance, Finance and Customer Support.
Manage integrations and SLAs with partners – banks, Account Aggregators, KYC/bureau providers, payment gateways and e-sign vendors

Skills
Graduate in any discipline; MBA / PGDM (Finance, Operations or Product) preferred.
3–6 years in lending operations, product operations or process roles at an NBFC, fintech, P2P platform or bank.
Clear understanding of the digital loan lifecycle – onboarding, KYC, underwriting, disbursement, collections and reconciliation.
Experience writing SOPs, process flows or PRDs and working closely with tech teams.
Solid Excel / Google Sheets skills; comfortable building MIS and reading data.
Structured thinking, attention to detail and transparent written communication.

📌 Product Manager Mumbai
🏢 1 Finance
📍 Mumbai