Senior Technical Product Manager- Micro Lending

Senior Technical Product Manager Micro Lending Platform

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Industry: NBFC / Digital Lending

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

Budget: Upto 45 LPA

Location: Bangalore India (Hybrid)

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. Youll 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 RBIs 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 01 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

Interested candidates can apply along with their resume on the below mentioned email ID or whatsapp number

Email ID:

Contact:

Required Skills:

ProductVisionRoadmapPlatformArchitectureOwnershipLendingDomainDepthRegulatoryComplianceDataMLRiskSignalsCross-FunctionalExecutionCustomerMarketInsight