Job Description :

We are looking for a PM/SPM to own Zype's BNPL product end-to-end from merchant and partner integrations to the customer journey, underwriting funnel, and post-disbursement lifecycle. You will work at the intersection of credit, product, and partnerships to grow BNPL GMV while improving conversion across every stage of the funnel. This is a high-ownership role : you will define the roadmap, write PRDs, run experiments, deep-dive into data, and work closely with engineering, risk, business, and compliance.

What You Will Own :

Partner & Merchant Ecosystem :

- Own the partner integration lifecycle from onboarding to go-live for both Standard and Custom API integrations.

- Work with the partnerships team to expand the merchant network across categories (healthcare, insurance, EdTech, EV, consumer durables).

- Define and evolve the partner API product : dedupe, pre-approval, lead creation, purchase confirmation, invoice, refunds, webhooks.

- Reduce partner integration TAT and improve developer experience.

Customer Journey & Funnel :

- Own the BNPL onboarding portal (web journey) - Basic Details, Personal Info, Loan Details, KYC, Mandate, Disbursement.

- Identify and close drop-off points across the funnel using qualitative and quantitative signals.

- Work with design and engineering to ship UX improvements that improve activation and conversion.

Underwriting & Credit Policy :

- Collaborate with the risk team to shape credit policy across product categories - thresholds for bureau score, DTI, DPD, income, age, pincode serviceability.

- Drive experiments to expand the addressable population without compromising portfolio quality (NTC expansion, self-employed eligibility, category-specific rules).

- Monitor underwriting funnel KPIs.

Post-Disbursement & Collections :

- Own the refund/cancellation product - returns flow, cancellation windows, loan adjustment logic.

- Work with collections on EMI repayment nudges, mandate health, and overdue management.

- Define and track BNPL portfolio health metrics alongside risk and finance.

Compliance & Regulatory :

- Ensure the BNPL product is compliant with current RBI guidelines - consent capture, KFS (Key Fact Statement), KYC norms.

- Stay ahead of regulatory changes in the BNPL and digital lending space; translate implications into product changes proactively.

What We're Looking For :

Must-Have :

- 3 to 7 years of product management experience, with at least 2 years in fintech - lending, BNPL, credit cards, or payments.

- Strong understanding of credit underwriting concepts : bureau data, DTI, DPD, risk segmentation.

- Experience owning API-based integrations or B2B platform products.

- Comfort with data : SQL queries, funnel analysis, cohort analysis - you should be able to pull your own numbers.

- Solid written communication - clear PRDs, crisp specs, structured thinking.

- Bachelor's/Master's degree from a reputed institution (engineering background preferred).

Good to Have :

- Prior experience at a BNPL or digital lending company.

- Familiarity with bureau-based underwriting workflows and RBI's digital lending guidelines.

- Experience with partner/merchant integration products.

- Understanding of KYC flows - Aadhaar DigiLocker, CKYC, selfie verification, e-mandate.

Key Metrics You Will Drive :

- BNPL GMV and disbursement volume.

- Partner go-live TAT and integration NPS.

- BNPL Funnel conversion.

- BNPL Collections.