Reporting To: VP – Product
Experience: 3+ Years
Location: Gurgaon, Haryana
Work Mode: Full-Time, Work from Office (WFO)
Office Address: The Office Pass (TOP), Golf Course Road, Gurgaon, Gurugram, Haryana, India
Compensation: Up to ₹26 LPA
Position Closure Deadline: 30 October 2026
Industry: FinTech / Digital Lending
English Proficiency: B2+ or Higher

About the Role

We are looking for an analytical and commercially oriented Product Manager – FinTech / Digital Lending with hands-on experience in Indian lending products, pricing models, unit economics, and regulatory compliance.The ideal candidate will have a strong understanding of lending product mechanics, including interest calculations, APR, fees and charges, repayment schedules, prepayment, foreclosure, and overdue management. The candidate will work closely with the VP – Product and cross-functional teams to develop, optimize, and manage lending products while ensuring alignment with business objectives and applicable regulatory requirements.This role requires a combination of product management expertise, financial analysis, SQL proficiency, regulatory awareness, and practical experience using AI tools.

Key Responsibilities

• Own and develop the lending product model, ensuring alignment with business objectives, customer needs, risk parameters, and regulatory requirements.
• Design, analyze, and optimize product pricing models, including interest rates, fees, charges, APR, penalties, overdue mechanics, early repayment economics, and the overall cost of credit.
• Develop, document, and validate lending product mechanics, including interest calculations, partial and early repayments, foreclosure, repayment schedules, fees, and Sculpt or other product-specific mechanics.
• Prepare pricing justifications and supporting documentation for senior management, Product Committees, Legal and Compliance teams, auditors, and regulatory reviews.
• Lead Product Boards and Product Committees, presenting business cases and defending proposed product changes with data-driven reasoning.
• Prepare business cases evaluating unit economics, financial impact, customer metrics, credit risk, and regulatory implications.
• Analyze product performance and identify opportunities to improve pricing, profitability, customer experience, repayment behavior, and portfolio performance.
• Translate business requirements, customer needs, and regulatory obligations into clear product requirements, functional specifications, and development tasks.
• Collaborate with Risk, Finance, Legal, Compliance, Operations, and Engineering teams to implement product changes.
• Ensure that the implemented product logic, pricing, and repayment calculations align with approved product specifications and applicable regulations.
• Support the preparation of product documentation, pricing explanations, and evidence required for internal audits, external audits, and regulatory reviews.
• Monitor changes in Indian digital lending regulations and assess their impact on existing and proposed lending products.
• Use SQL and analytical tools to independently extract, analyze, and interpret product and financial data.
• Apply AI tools to improve product research, data analysis, documentation, hypothesis validation, and day-to-day product management processes.

Mandatory Requirements

• Minimum 3 years of relevant experience in Indian FinTech, digital lending, or a closely related lending product environment.
• Hands-on experience with consumer loans, personal loans, short-term loans, Buy Now, Pay Later (BNPL), or similar lending products.
• Strong understanding of lending product economics, pricing strategies, and unit economics.
• Practical experience designing, analyzing, or optimizing lending pricing models.
• Good knowledge of APR, interest calculations, processing fees, other charges, repayment schedules, prepayment, foreclosure, penalties, and overdue calculations.
• Understanding of Indian digital lending regulations and their implications for product design and pricing.
• Experience working closely with Legal, Compliance, Risk, Finance, and Engineering teams.
• Ability to independently develop, present, and defend product decisions before senior management and cross-functional stakeholders.
• Ability to translate complex business, financial, and regulatory requirements into actionable product specifications.
• Strong analytical, problem-solving, and data-driven decision-making skills.
• Good SQL knowledge with the ability to independently query, analyze, and interpret product and financial data.
• Practical experience using AI tools for product management, analytics, research, documentation, or process optimization.
• Experience working with Reserve.
• English proficiency at B2+ level or higher, with the ability to conduct meetings, present product proposals, explain financial mechanics, and prepare professional documentation in English.

Preferred / Nice-to-Have Skills

• Experience interacting with the Reserve Bank of India (RBI), NBFCs, Lending Service Providers (LSPs), or regulatory and compliance review teams.
• Experience launching a new lending product from concept to market.
• Experience optimizing pricing models and improving the profitability of existing lending products.
• Familiarity with Key Facts Statements (KFS), loan agreements, sanction letters, and other lending-related documentation.
• Experience calculating, monitoring, and optimizing unit economics for digital lending businesses.
• Experience in an international FinTech company or a cross-border product environment.
• Experience preparing pricing models, product notes, and supporting documentation for audits or regulatory assessments.

Key Skills

• Digital Lending Product Management
• Lending Product Pricing and APR
• Unit Economics and Financial Analysis
• Interest and Repayment Calculations
• Prepayment, Foreclosure, and Overdue Mechanics
• SQL and Product Analytics
• Indian Digital Lending Regulatory Compliance
• Product Requirements and Roadmap Management
• Stakeholder and Product Committee Management
• AI-Powered Product Management
• Business Case Development and Financial Modelling
• Professional English Communication

Candidate Profile

The ideal candidate is a product professional who understands lending beyond the customer journey and can independently evaluate the financial, operational, analytical, and regulatory implications of product decisions. The candidate should be comfortable working with complex pricing models, validating assumptions using data, collaborating with technical and business teams, and presenting recommendations confidently to senior stakeholders.Application Deadline: 30 October 2026Interested candidates with relevant FinTech or digital lending product management experience, strong pricing and unit economics expertise, SQL proficiency, and practical AI tool experience are encouraged to apply.