Product Manager - Personal Loans

Salary range: Rs 1800000 - Rs 2600000 (ie INR 18-26 LPA)

Min Experience: 3 years

Location: Bengaluru

JobType: full-time

raised over $10M in its pre-series funding round. With a strong product suite spanning B2B Payments, Business Loans, and Personal Loans, we are now looking for a driven product leader to build and scale our Personal Loans vertical from the ground up.

This is a unique opportunity to be the first product hire dedicated to Personal Loans, owning the complete lifecycle—from 0 to 1 product build to scaling the business to ₹10 Cr+ monthly disbursements. You will work at the intersection of business, technology, credit, and customer experience to create a high-impact lending product.

Requirements

Key Responsibilities

• Own the end-to-end product charter for the Personal Loans business, from ideation to execution and scaling
• Define product vision, roadmap, and strategy aligned with business goals and growth targets
• Build the Personal Loans product from scratch (0-1), including onboarding journeys, credit flows, disbursal, and repayment experiences
• Collaborate closely with cross-functional teams including engineering, credit, risk, operations, compliance, and marketing
• Drive customer acquisition, activation, and retention strategies through data-driven decision-making
• Optimize funnel conversion across application, underwriting, approval, and disbursement stages
• Leverage analytics, experimentation (A/B testing), and user insights to continuously improve product performance
• Work on partnerships with NBFCs, banks, and third-party vendors for lending infrastructure
• Ensure compliance with regulatory requirements and build scalable, secure product systems
• Own key metrics such as loan disbursal volumes, approval rates, CAC, NPA ratios, and customer lifetime value

• 3-6 years of experience in Product Management, preferably in fintech or lending
• Strong understanding of lending products, especially Personal Loans, including underwriting, risk assessment, and collections
• Proven experience in building and scaling products, ideally in a 0-1 or early-stage startup environment
• Strong analytical mindset with the ability to translate data into actionable insights
• Hands-on experience with product tools, user journeys, and experimentation frameworks
• Ability to work in a fast-paced, ambiguous environment with high ownership
• Excellent stakeholder management and communication skills
• Understanding of digital lending ecosystems, APIs, credit bureaus, and KYC processes is a plus

• Opportunity to build and lead a high-impact product vertical from scratch
• High ownership and visibility with direct influence on business outcomes
• Work with a passionate founding team in a rapidly scaling fintech environment
• Competitive compensation with strong growth potential