Senior Technical Product Manager - Micro Lending Platform

• URGENT HIRING for Senior Technical Product Manager - Micro Lending Platform.
• Employment Type : Full Time.
• Experience : 10 years (NBFC / Fintech preferred) as Technical Product Manager - Micro Lending Platform.
• Qualification : Engineering background with MBA or equivalent business context.
• Role Summary:

• This is a high-ownership, high-ambiguity role at the intersection of product, engineering, and lending operations.
• You will define roadmap, own architecture decisions, and drive delivery across the full lending lifecycle - from thin-file credit scoring and origination to UPI/NACH-based collections.
• You'll work directly with engineering, risk, compliance, and business leadership, and represent the customer in every discussion.

Key Responsibilities:

Product Vision & Roadmap:

• Define and own the product strategy for the micro-lending platform.
• Translate business goals into a prioritised roadmap.
• Identify new opportunities - BNPL, MSME credit, co-lending - and drive build vs. buy vs. partner decisions.

Platform Architecture Ownership:

• Lead system design for a serverless Azure architecture (Container Apps, Functions, API Management).
• Own microservices decomposition, async event flows, data models, and API contracts.
• Enforce engineering standards across the platform.

Lending Domain Depth:

• Drive product execution across the full lending lifecycle: origination, bureau/AA-based underwriting, disbursement via UPI/IMPS, repayment via NACH/UPI Autopay, and delinquency management.
• Own the logic, edge cases, and compliance implications of each.

Regulatory & Compliance:

• Ensure the platform adheres to RBI's Digital Lending Guidelines, Fair Practices Code, and data localization requirements.
• Own KYC/AML/CKYC integration, KFS generation, and audit trail design.
• Stay ahead of regulatory shifts.
• Data, ML & Risk Signals.
• Work with data science to integrate alternative credit signals - Account Aggregator cashflow analysis, bureau data, GST/ITR signals, and behavioural data.
• Champion explainability and fairness in credit models.
• Prioritise fraud detection pipelines.
• Cross-Functional Execution.
• Serve as the connective tissue between engineering, risk, ops, and business.
• Run structured discovery, write sharp PRDs, and ensure sprint-level delivery aligns with architectural integrity.
• Remove blockers proactively; flag trade-offs early.
• Customer & Market Insight.
• Own deep borrower empathy.
• Conduct research with tier-2/3 city customers, self-employed borrowers, and retail partners.
• Use product analytics, funnel data, and cohort analysis to drive continuous improvement.

Technical:

• Python - backend systems, APIs, data processing.
• PostgreSQL - schema design, query optimisation, scaling.
• Azure: Container Apps, Functions, API Management, Event Grid.
• Serverless and event-driven architecture patterns.
• REST API design; async / message-based systems.
• DevSecOps basics; CI/CD pipeline hygiene.

Lending & Fintech Domain:

• 5+ years in consumer or MSME digital lending.
• Hands-on with LOS, LMS, or credit deaccessioning systems.
• Deep understanding of NACH, UPI Autopay, eMandate flows.
• Account Aggregator (AA) framework - FIP/FIU integration.
• RBI Digital Lending Guidelines, Fair Practices Code, KYC/AML.
• Bureau integrations: CIBIL, Experian, CRIF, CKYC.

Product & Leadership:

• Proven end-to-end product ownership from 0- 1 and beyond.
• Sharp PRD writing and ruthless prioritisation instincts.
• Strong data literacy - SQL, funnels, cohort analysis.
• Ability to mentor PMs and engineers on product thinking.
• Comfortable in ambiguity; thrives in high-growth environments.

Preferred / Nice-to-Have:

• Exposure to ML models in credit scoring or fraud detection.
• Familiarity with co-lending / FLDG regulatory structures.
• GSTN, ITR, or AA-based income verification experience.
• Engineering background with MBA or equivalent business context.
• NBFC / bank partnership experience.