Product Manager

About BharatNXT Small businesses face operational cash flow challenges. BharatNXT bridges these gaps with on-demand financing options, streamlining payments (vendors, rent, taxes, utilities, etc.) and offering credit management tools to empower businesses. Since inception, we have unlocked over $1.5+ Bn in credit across 1.7+ Mn small businesses. BharatNXT is part of the Google for AI startups cohort and featured in Forbes. Join our Marketing & Creative team and be part of a collaborative environment where your storytelling can connect with our users. Role Overview We are looking for a Product Manager (3 5 years of experience) from fast-paced B2C fintech startups, with deep experience in payments & lending products, and mandatory hands-on experience with AI tools and low-code platforms . This role demands full ownership of product outcomes, customer experience, and business metrics. This is an on-site full-time role for a Product Manager based in Mumbai. Requirement (Must Have) Strictly 3 5 years of experience as a Product Manager in fast-paced B2C fintech startups (payments and/or lending) Strong hands-on experience in payments & wallet/PPI products (UPI, Credit cards, Net banking, BBPS) Mandatory hands-on proficiency with AI tools and low-code platforms (faster shipping) Proven end-to-end ownership of product, customer, and business metrics. Ability to drive cross-functional teams (engineering, design, data, ops) toward measurable outcomes Strong understanding of payment flows, failure handling, reconciliation, and compliance Excellent communication, analytical thinking, and problem-solving skills High agency, business acumen, founder mindset, and comfort operating in ambiguity Requirement (Good to Have) Experience in digital lending , especially unsecured lending (BL, CL, LOC, BNPL) Understanding of credit underwriting, bureau data, and regulatory frameworks Exposure to AI/ML models in credit risk, fraud detection, or decisioning Familiarity with tools such as Jira, Excel, Power BI, MoEngage, Microsoft Clarity, Loveable, Replit & Emergent. We are a small team of highly motivated people and want individuals with a strong sense of ownership and passion for their work. If you expect a 9-5, structured role this is not the place for you. But if you re ready to take on a steep learning curve in a fast-paced environment and build innovative content in the payment space, we d love to hear from you!