SarvaGrams internal platforms are mission-critical to scale our High-Tech + High-Touch model. This role exists to eliminate operational friction, codify undocumented workflows, and convert ground realities into scalable digital systems - without waiting for business teams to handhold. This is not a PRD-only role. You are expected to discover, define, and decide.

Key Responsibilities :

1. Product Discovery & Workflow Ownership :

- Independently identify missing, broken, or manual workflows across internal platforms.

- Perform competition & industry research (NBFCs, fintech ops tools, rural finance players) to identify proven patterns.

- Deeply analyse :

1. Internal support tickets (L1/L2)

2. Ops escalations

3. Audit observations

4. Field feedback from Branch, RM, Credit Ops, Collections

- Convert ambiguity into clear workflows, states, roles, and system boundaries.

2. Backlog Building & Business Prioritization :

- Own the end-to-end backlog for internal platforms.

- Prioritize ruthlessly based on :

1. Business impact

2. Regulatory risk

3. Ops scalability

4. Cost-to-serve reduction

- Drive quarterly and monthly prioritisation with Tech, Ops, Risk, and Compliance.

3. Data & Dashboard-Driven Product Management :

- Define and track operational KPIs (TATs, rework %, exception rates, escalations).

- Work with Data teams to :

1. Build dashboards that expose inefficiencies

2. Use data to justify prioritisation decisions

- Ensure product decisions are defensible with data, not opinions.

4. Regulatory & Audit Readiness :

- Design workflows aligned with :

1. RBI IT & NBFC guidelines :

2.. Audit trails, maker-checker controls, role-based access

- Actively close audit observations through system design, not SOPs alone.

- Partner with Compliance & Risk teams proactivelybefore audits.

5. Partner & Integration Ownership :

- Own product flows involving partners such as :

1. KYC providers

2. Credit bureaus

3. Payment gateways

- Define SLAs, failure handling, fallbacks, and reconciliation workflows.

- Ensure partner dependencies do not become operational blind spots.

This role is NOT for you if :

- You rely only on stakeholders to define workflows.

- You avoid ops complexity or regulatory discussions.

- You are uncomfortable deep-diving into support tickets or field realities.

Requirements :

- 6-10+ years in Product Management, preferably in fintech, NBFC, lending, or ops heavy platforms.

- Proven ability to design complex internal workflows from scratch.

- Strong comfort with data, dashboards, and operational metrics.

- Hands-on experience dealing with regulatory audits or compliance-driven systems.

- Ability to engage confidently with :

1. Field teams

2. Ops heads

3. Engineering

4. Risk & Compliance

- High ownership mindset - does not wait for requirements.

Benefits :

SarvaGram is on a mission to revolutionise financial services for millions in rural India. We're building the nation's first data-driven platform that combines cutting-edge technology with a human touch to unlock financial possibilities for underserved households. This is your chance to be at the forefront of innovation. Join us and :

- Shape the future of FinTech : We're not just building a product, we're creating a new category. Be a part of defining the future of financial inclusion for rural India.

- Embrace a high-growth, high-impact environment : This is a non-linear growth opportunity. Build a platform used by millions and witness the network effect drive massive scale.

- Tackle real-world challenges : Apply your skills to solve critical problems and directly empower rural communities.

- Craft solutions that touch lives : Develop innovative products used by diverse household members, each with unique needs