Product Manager - Lead PM

Company Overview

The company is a consumer-facing fintech app.

Job Summary

The Lead Product Manager will own the entire lifecycle of the customer app, shaping it from an initial concept to a fully operational product. This role is pivotal in driving user engagement and revenue generation through innovative features and lending journeys while contributing directly to the company's growth objectives.

Responsibilities

• Oversee the full product lifecycle of the customer App — including strategy, roadmap, delivery, and iteration.
• Design and implement hook product experiences such as credit score tools and financial health mechanisms aimed at driving new customer acquisition and engagement.
• Manage lending journeys within the app, covering loan discovery, application, disbursement, and repayment, ensuring integration with its core Loan Origination System (LOS) and Loan Management System (LMS).
• Define and execute a monetization strategy that includes partnerships, cross-sell opportunities, and fees beyond traditional lending.
• Analyze the app's role as a sourcing channel through metrics related to user funnels, drop-off rates, and lead quality, informing credit and collections strategies.
• Collaborate closely with Mobile Engineers and coordinate cross-functionally with Credit & Risk and Collections teams.

Qualifications

• Experience: 5-8 years in product management, with a minimum of 3 years managing a consumer-facing mobile app end-to-end.
• Industry knowledge: Specific experience in fintech, lending, or Banking, Financial Services, and Insurance (BFSI), with a strong preference for Non-Banking Financial Companies (NBFC), digital lending, or credit-led consumer applications.
• Startup Acumen: Comfortable operating within an early-to-growth stage company, having successfully scaled products from initial launch to substantial user bases.
• Analytical Skills: Strong understanding of growth funnels, activation metrics, and retention challenges related to feature delivery.
• Technical Proficiency: Ability to write clear Product Requirement Documents (PRDs), work independently with engineers, and manage Quality Assurance (QA) cycles.
• Regulatory Knowledge: Familiarity with India-specific fintech regulations including Account Aggregator (AA), National Automated Clearing House (NACH), Know Your Customer (KYC), and bureau integrations.
• Innovation Mindset: A strong inclination towards leveraging Artificial Intelligence within the product management discipline.

Preferred Skills

• Prior experience in designing hook products, like credit scoring and spend tracking tools that enhance the lending conversion process.
• Understanding of compliance constraints set by the Reserve Bank of India (RBI) and Digital Personal Data Protection (DPDP) on consumer data handling.
• Experience working with informal-income or underserved borrower segments.

Experience

5-6 years of relevant experience with a strong track record in product management focusing on consumer mobile applications.

Environment

The work environment is dynamic and fast-paced, typical of an early-stage fintech company. The role may involve remote working arrangements, with collaboration facilitated through digital communication tools.

Salary

Not specified.

Growth Opportunities

Potential advancement opportunities as it scales and the product evolves, leading to broader responsibilities across product management and leadership.

Benefits

Not specified.