Novac Tech - Product Manager/Senior Product Manager - Lending

Experience : 6-10 years - We are looking for a highly motivated and experienced Product Manager / Senior Product Manager to lead the product development lifecycle from ideation to execution in the Lending/Fintech domain (Digital Lending, Personal Loans, MSME Loans, Consumer Finance, or Credit Products). - The ideal candidate will have a strong background in product management, experience in creating and managing BRDs (Business Requirement Documents) and FRDs (Functional Requirement Documents), and a proven track record of building and scaling lending or credit products. Key Responsibilities - Define and execute the product roadmap aligned with business objectives specific to the Lending Financial Services industry. - Collaborate with cross-functional teams, including credit risk, underwriting, collections, operations, compliance, engineering, design, marketing, and partnerships, to ensure seamless product development and delivery. - Gather and analyze user, risk, and business requirements to create BRDs and FRDs, ensuring clear documentation of business rules, credit policies, and functional workflows. - Design and optimize end-to-end lending journeys - onboarding, KYC, bureau checks, credit decisioning, loan disbursal, repayment, and collections. - Conduct market research, competitor benchmarking, and regulatory assessments to identify trends and opportunities in digital lending and credit ecosystems. - Define key product metrics such as approval rates, TAT, conversion, CAC, portfolio quality, delinquency rates, and customer LTV, and drive data-driven decisions. - Work closely with stakeholders to prioritize product features and enhancements based on customer needs, risk controls, and compliance requirements. - Oversee the complete product lifecycle: ideation, planning, development, launch, monitoring, and post launch optimization. - Ensure compliance with RBI regulations, KYC/AML norms, data privacy standards, and lending compliance frameworks. - Drive integrations with credit bureaus, payment gateways, KYC vendors, account aggregators, and lending partners. Required Skills & Qualifications - 6+ years of experience in product management, with at least 5+ years in Lending/Fintech/NBFC/Banking credit products. - Strong experience in creating and managing BRDs and FRDs for financial workflows. - Proven track record of successfully launching and scaling digital lending or credit products. - Deep understanding of credit underwriting, risk assessment, loan lifecycle management, collections, and regulatory requirements. - Familiarity with loan management systems (LMS), LOS (Loan Origination Systems), credit bureau integrations, and digital KYC flows. - Excellent problem-solving and strategic thinking abilities. - Proficiency in Agile methodologies and experience with tools like Jira, Confluence, or similar. - Strong analytical skills with hands-on experience in data-driven decision-making. - Excellent communication and stakeholder management skills. - Bachelor's/Master's degree in Business, Finance, Engineering, Computer Science, or a related field. Experience : 6-10 years - We are looking for a highly motivated and experienced Product Manager / Senior Product Manager to lead the product development lifecycle from ideation to execution in the Lending/Fintech domain (Digital Lending, Personal Loans, MSME Loans, Consumer Finance, or Credit Products). - The ideal candidate will have a strong background in product management, experience in creating and managing BRDs (Business Requirement Documents) and FRDs (Functional Requirement Documents), and a proven track record of building and scaling lending or credit products. Key Responsibilities - Define and execute the product roadmap aligned with business objectives specific to the Lending Financial Services industry. - Collaborate with cross-functional teams, including credit risk, underwriting, collections, operations, compliance, engineering, design, marketing, and partnerships, to ensure seamless product development and delivery. - Gather and analyze user, risk, and business requirements to create BRDs and FRDs, ensuring clear documentation of business rules, credit policies, and functional workflows. - Design and optimize end-to-end lending journeys - onboarding, KYC, bureau checks, credit decisioning, loan disbursal, repayment, and collections. - Conduct market research, competitor benchmarking, and regulatory assessments to identify trends and opportunities in digital lending and credit ecosystems. - Define key product metrics such as approval rates, TAT, conversion, CAC, portfolio quality, delinquency rates, and customer LTV, and drive data-driven decisions. - Work closely with stakeholders to prioritize product features and enhancements based on customer needs, risk controls, and compliance requirements. - Oversee the complete product lifecycle: ideation, planning, d