About the Role :

We are looking for an experienced Senior Technical Product Manager to lead the vision, architecture, and execution of a next-generation Micro Lending Platform. This is a high-ownership role at the intersection of Product, Engineering, Risk, Compliance, and Lending Operations.

The ideal candidate should possess deep expertise in digital lending ecosystems, fintech platform architecture, and end-to-end product ownership. The role requires strong technical acumen along with hands-on exposure to consumer/MSME lending, underwriting systems, collections infrastructure, and RBI-compliant lending platforms.

Candidates from NBFCs, Fintechs, or Digital Lending organizations will be strongly preferred.

Key Responsibilities :

Product Strategy & Roadmap :

- Define and own the product vision and roadmap for the micro-lending platform.

- Translate business goals into prioritized product and engineering initiatives.

- Identify and evaluate new opportunities including :

1. BNPL

2. MSME Lending

3. Co-Lending Models

4. Embedded Finance

- Drive build vs. buy vs. partner decisions for critical platform capabilities.

Platform Architecture Ownership :

- Lead architecture discussions for scalable serverless lending platforms on Azure.

- Drive technical design for :

1. Microservices Architecture

2. Event-Driven Systems

3. API Contracts

4. Data Models

5. Async Processing Flows

- Own platform scalability, reliability, and architectural integrity.

- Enforce engineering and platform governance standards across teams.

Lending Lifecycle Management :

- Drive product execution across the complete lending lifecycle including :

1. Loan Origination

2. Credit Underwriting

3. Bureau & Account Aggregator Integrations

4. Loan Disbursement

5. Repayment & Collections

6. Delinquency & Recovery Management

- Own edge-case handling, compliance implications, and operational workflows.

Regulatory & Compliance :

Ensure adherence to :

- RBI Digital Lending Guidelines

- Fair Practices Code

- Data Localization Requirements

- KYC/AML Compliance

Drive integrations for :

- CKYC

- Bureau APIs

- eMandates

- UPI Autopay

- NACH

- Own audit trails, governance controls, and compliance workflows.

Data, Risk & ML Signals :

- Work closely with Data Science teams to integrate :

1. Bureau Data

2. Account Aggregator (AA) Signals

3. GST/ITR Data

4. Behavioral Risk Signals

- Support explainable and fair credit decisioning frameworks.

- Prioritize fraud detection and risk monitoring pipelines.

Cross-Functional Leadership :

- Act as the bridge between Engineering, Risk, Compliance, Operations, and Business teams.

- Write clear PRDs, user flows, and functional specifications.

- Drive sprint execution while maintaining architectural consistency.

- Proactively identify risks, dependencies, and delivery trade-offs.

Customer & Market Understanding :

- Build deep borrower empathy through customer research and market analysis.

- Work closely with tier-2/tier-3 customer segments, retail partners, and self-employed borrowers.

Use :

- Product Analytics

- Funnel Analysis

- Cohort Analysis

- Behavioral Insights to drive product improvements and business outcomes.

Required Skills & Qualifications :

Product & Leadership :

- 10 to 15 years of experience in Product Management with strong exposure to Fintech/NBFC ecosystems.

- Proven experience owning products from 0 ? 1 and scaling them further.

- Strong product thinking, prioritization, and execution capabilities.

- Experience mentoring PMs and engineering teams.

- Comfortable operating in high-growth and ambiguous environments.

Lending & Fintech Domain :

- Minimum 5+ years of hands-on experience in:

- Consumer Lending

- MSME Lending

- Digital Lending Platforms

Strong expertise in :

- LOS/LMS Platforms

- UPI Autopay

- NACH/eMandate Flows

- Account Aggregator Framework

- Bureau Integrations (CIBIL, Experian, CRIF)

- CKYC/KYC/AML

- Strong understanding of RBI Digital Lending Guidelines and compliance frameworks.

Technical Skills :

- Strong understanding of :

- Python

- REST APIs

- PostgreSQL

- Event-Driven Architecture

- Serverless Architecture Patterns

- DevSecOps & CI/CD fundamentals

Hands-on exposure to Azure services including :

- Azure Container Apps

- Azure Functions

- API Management

- Event Grid

Data & Analytics :

- Strong data literacy with experience in :

1. SQL

2. Funnel Analytics

3. Cohort Analysis

4. Product Metrics

- Understanding of ML-driven credit scoring and fraud detection systems is preferred.

Preferred / Good-to-Have Skills :

- Experience with :

1. Co-Lending

2. FLDG Models

3. Embedded Finance

4. Credit Risk ML Models

- Exposure to :

1. GSTN Integrations

2. ITR Verification

3. AA-based Income Assessment

- Engineering background with MBA or equivalent business exposure preferred.

- Prior experience working with NBFCs, Banks, or Lending Partnerships.