Senior Product Manager

Job Title: Senior Product Manager

Experience Required: 6-8 years

Location: Andheri, Mumbai

About the Role:

We are looking for a Senior Product Manager to help us get to unlock the next lever of growth for our unsecured lending - Personal loan product.

The key mandate you will be focused on driving is : conversion & TAT improvements at stagnant or improved credit risk while reducing manual/ subjective underwriting for Personal loan channels. While on the Customer service side your key goal would be to stay flat on cost as we grow while automating and enabling AI driven solutions, reducing manual efforts and automating day to day repetitive tasks for the charter.

Key Responsibilities:

1. Product Strategy & Business Ownership

• Define the Vision: Craft a clear, forward-looking vision for the Personal Loans and Customer Service verticals. You must move beyond feature lists to define a narrative that aligns with company-wide strategic goals.
• Outcome over Output: You are responsible for the business outcomes driven by your team, not just the features shipped. You will identify when investments are hitting diminishing returns and proactively shift strategy to maximize ROI.
• Strategic Impact: Act as a key contributor to company-level strategy. You will clearly articulate the so what behind your teams work to the executive leadership, ensuring your roadmap drives meaningful progress toward organizational goals.

2. Execution & Delivery Excellence

• Speed & Quality: Instill a speed wins culture. You will enable your team to make tough trade-off decisions that result in successful initial launches followed by quick, data-driven iterations.
• Process Optimization: Critically assess the efficacy of your teams specification and delivery processes. You will identify execution bottlenecks and change people or processes to ensure high-velocity delivery.
• Data-Driven Culture: Use data not just to track results, but to uncover new opportunities. You will bolster your case for investment using deep analytical insights and ensure your team builds fluency in data decision-making.

3. Team Leadership & Mentorship

• Coach & Develop: You will directly manage two Product Managers. Your goal is to move them from managing projects to leading products. You will review their specs, guide them to write clear requirements, and help them navigate complex stakeholder landscapes.
• Career Growth: Proactively work with your direct reports to develop career plans that build relevant skills and identify growth paths within InCred.
• Hire & Raise the Bar: Play an active role in hiring. You are responsible for identifying skill gaps in your pod and ensuring we bring in talent that raises the collective intelligence of the team.

4. Stakeholder Management & Influence

• Orchestrate Alignment:

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  You will proactively build relationships across Engineering, Sales, Operations, and Risk. You must ensure no surprises occur and that key stakeholders are included in decision-making early.
• Manage Up: Effectively influence strategic decisions with senior management. You will advocate for the resourcing and prioritization your initiatives need, ensuring your teams outcomes have executive-level visibility.

Qualifications:

• Experience: 6+ years of Product Management experience, with at least 2 years in Lending.
• Leadership: Proven experience managing or mentoring junior PMs. You have a track record of levelling up those around you.
• Domain Knowledge: Strong understanding of the Personal Loans lifecycle (origination to collection) and Customer Experience automation (servicing, bots, agent tools).
• Education: B.Tech/BE from a top-tier engineering institute; MBA is a plus but not mandatory if experience is stellar.
• Technical Fluency: You can discuss technical trade-offs with Engineering Managers and understand how to build scalable platforms.
• Data Proficiency: You are comfortable with SQL/Analytics tools and use them to challenge assumptions