Lending Product Manager
Location: Bhubaneswar
Employment Type: Full-Time
Experience: 5–10 Years
About the Role
We are seeking an experienced Lending Product Manager to lead the development, enhancement, and growth of digital lending products across consumer, MSME, and business lending segments. The ideal candidate will have strong expertise in loan origination, underwriting workflows, credit risk, digital lending platforms, and regulatory compliance. This role will work closely with business, technology, risk, operations, compliance, and lending partners to deliver innovative and scalable lending solutions.
Key Responsibilities
- Define and execute the product roadmap for lending and credit products.
- Manage the end-to-end product lifecycle from ideation to launch and optimization.
- Design and enhance loan origination, underwriting, disbursement, repayment, and collections journeys.
- Collaborate with engineering teams to develop scalable lending platforms and APIs.
- Work with credit, risk, compliance, and operations teams to optimize lending processes.
- Analyze customer behavior, loan portfolio performance, and market trends to drive product improvements.
- Manage integrations with banks, NBFCs, credit bureaus, KYC providers, and fintech partners.
- Ensure compliance with lending regulations and industry standards issued by the Reserve Bank of India.
- Define product requirements, user stories, business rules, and acceptance criteria.
- Monitor KPIs including loan conversion rates, approval rates, disbursement volumes, delinquency rates, and customer satisfaction.
- Drive automation and digital transformation initiatives across the lending lifecycle.
- Conduct competitor analysis and identify new lending opportunities.
Required Skills & Qualifications
- Bachelor's degree in Engineering, Finance, Business Administration, Economics, or a related field.
- MBA or equivalent qualification preferred.
- 5+ years of experience in Product Management within Lending, Banking, NBFC, FinTech, or Financial Services.
- Strong understanding of loan products including Personal Loans, Business Loans, MSME Loans, Consumer Finance, BNPL, and Credit Lines.
- Experience with Loan Origination Systems (LOS), Loan Management Systems (LMS), and digital lending platforms.
- Knowledge of credit underwriting, risk assessment, collections, and lending operations.
- Experience working with credit bureaus, KYC, eKYC, CKYC, account aggregators, and digital onboarding systems.
- Strong analytical, problem-solving, and stakeholder management skills.
- Familiarity with Agile/Scrum product development methodologies.
- Excellent communication and documentation skills.
Preferred Qualifications
- Experience working with banks, NBFCs, lending marketplaces, or fintech lending platforms.
- Understanding of alternative credit scoring models and AI-driven lending solutions.
- Knowledge of digital lending regulations, data privacy, AML, and fraud prevention frameworks.
- Experience with co-lending, embedded finance, and API-based lending ecosystems.
- Exposure to consumer and MSME lending products at scale.
Key Competencies
- Lending Product Management
- Loan Origination & Underwriting
- Credit Risk Management
- Digital Lending
- Loan Lifecycle Management
- Financial Product Development
- Regulatory Compliance
- Business Analysis
- Customer Experience Optimization
- Stakeholder Management
- Data Analytics
- Agile Product Development
What We Offer
- Competitive Salary and Performance Incentives
- Opportunity to Build Innovative Lending Solutions
- Exposure to Banking, NBFC, and FinTech Ecosystems
- Collaborative and Growth-Oriented Environment
- Learning and Career Advancement Opportunities
- Health Insurance and Employee Benefits
Pay: ₹489,291.11 - ₹1,463,023.24 per year
Benefits:
- Flexible schedule
- Paid time off
Work Location: In person
