Vice President - Digital Product - Consumer Lending

We are looking for a visionary and execution-driven VP - Product to lead the digital product strategy for our lending platform. This role will own the end-to-end product lifecycle across borrower journeys, underwriting, disbursal, and collections, while driving innovation, scalability, and business growth. The ideal candidate brings deep expertise in digital lending ecosystems, a strong understanding of credit, risk, and regulatory frameworks, and a proven track record of building and scaling high-impact financial products. Key Responsibilities: Product Strategy & Vision: - Define and drive the product vision and roadmap for the digital lending platform - Identify new opportunities across customer segments (consumer, MSME, etc.) - Align product strategy with business growth, risk appetite, and regulatory landscape Lending Product Ownership: Own end-to-end lending journeys: - Lead generation & onboarding - KYC & verification - Credit underwriting & decisioning - Loan disbursal - Repayment & collections - Continuously improve conversion, approval rates, and customer experience Data, Risk & Analytics: Collaborate with risk and analytics teams to refine: - Credit models - Fraud detection frameworks - Risk-based pricing - Drive data-led decision making across product enhancements Product Development & Execution: - Lead cross-functional teams (engineering, design, data, risk, operations) - Ensure agile execution and timely delivery of product initiatives - Build scalable, API-driven, and modular product architecture Leadership & Team Building: - Build and mentor a high-performing product organization - Drive a culture of ownership, innovation, and customer obsession - Partner closely with leadership, business, and compliance stakeholders Growth & Performance: Define and track key product metrics: - Conversion rates - Cost of acquisition - Portfolio quality (NPAs, delinquencies) - Customer lifetime value - Drive revenue growth while maintaining risk discipline Compliance & Regulatory Alignment: - Ensure adherence to RBI regulations and digital lending guidelines - Work closely with legal and compliance teams - Embed governance and audit readiness into product design Key Skills & Competencies: - Deep expertise in digital lending / credit products - Strong understanding of underwriting, risk, and collections - Strategic thinking with strong execution capability - Data-driven mindset with analytical rigor - Strong stakeholder management and leadership skills - Experience with API ecosystems, fintech integrations, and platform thinking Qualifications: - Bachelor's degree in Engineering / Technology / Finance - MBA or equivalent preferred - Proven leadership experience in fintech / NBFC / lending platforms Preferred Experience: - Experience building lending products from 0 - 1 and scaling 1 - 10 - Exposure to embedded finance / partnerships / co-lending models - Familiarity with bureau integrations, alternative data, and credit scoring - Experience in regulated environments We are looking for a visionary and execution-driven VP - Product to lead the digital product strategy for our lending platform. This role will own the end-to-end product lifecycle across borrower journeys, underwriting, disbursal, and collections, while driving innovation, scalability, and business growth. The ideal candidate brings deep expertise in digital lending ecosystems, a strong understanding of credit, risk, and regulatory frameworks, and a proven track record of building and scaling high-impact financial products. Key Responsibilities: Product Strategy & Vision: - Define and drive the product vision and roadmap for the digital lending platform - Identify new opportunities across customer segments (consumer, MSME, etc.) - Align product strategy with business growth, risk appetite, and regulatory landscape Lending Product Ownership: Own end-to-end lending journeys: - Lead generation & onboarding - KYC & verification - Credit underwriting & decisioning - Loan disbursal - Repayment & collections - Continuously improve conversion, approval rates, and customer experience Data, Risk & Analytics: Collaborate with risk and analytics teams to refine: - Credit models - Fraud detection frameworks - Risk-based pricing - Drive data-led decision making across product enhancements Product Development & Execution: - Lead cross-functional teams (engineering, design, data, risk, operations) - Ensure agile execution and timely delivery of product initiatives - Build scalable, API-driven, and modular product architecture Leadership & Team Building: - Build and mentor a high-performing product organization - Drive a culture of ownership, innovation, and customer obsession - Partner closely with leadership, business, and compliance stakeholders Growth & Performance: Define and track key product metrics: - Conversion rates - Cost of acquisition - Portfolio quality (NPAs, del