Job Description
Great organization to work with Opportunity to work with leadership About Our Client One of the fastest growing Fintechs in India. Job Description Product Strategy & Roadmap Define the product roadmap for all four MSME product lines Conduct competitive benchmarking against NBFCs, PSU banks, and fintechs Identify white spaces in the MSME credit market and build business cases for new product variants or customer segments Drive digital-first product design: API integrations, workflow automation, borrower self-service portals, and bureau-embedded decisioning. P&L Ownership & Business Performance Own disbursement volumes, AUM targets, yield, net interest margins, and OPEX-to-AUM ratios across all product lines Prepare and present monthly MIS, portfolio dashboards, and board-level business reviews Drive revenue growth through pricing optimisation, cross-sell strategies, and portfolio deepening with existing borrowers Identify cost-efficiency levers in sourcing, processing, and servicing to improve cost-to-income ratios. Credit Policy & Risk Partnership Co-own credit policies, underwriting guidelines, and deviation matrices Lead product-level portfolio reviews; define and implement corrective actions for segments showing stress Embed early warning signals (EWS) and dynamic risk controls into product eligibility frameworks Ensure compliance with RBI MSME lending norms, priority sector guidelines, FLDG caps, and co-lending master directions. Channel & Distribution Build and manage a multi-channel origination engine: direct sales teams, DSAs, digital aggregators, and embedded finance partnerships Define channel-specific product variants and incentive structures; monitor channel quality metrics and portfolio behaviour by source Develop co-lending and BC partnerships; support due diligence and programme structuring with partner banks. Technology & Digital Transformation Partner with the technology team to digitise the end-to-end lending journey: from lead generation and underwriting to disbursement and collections nudges Drive adoption of alternate data sources (GST, banking analytics, utility data, social data) in underwriting models Lead digital SCF product development with API-based anchor integration, real-time invoice discounting, and automated collections. Stakeholder Management & Team Leadership Lead and mentor a team of Product Managers, Business Analysts, and Segment Leads across UBL, LAP, EPM, and SCF Collaborate with Sales, Risk, Operations, Technology, Legal, Compliance, and Treasury to drive execution Represent the MSME product portfolio to investors, rating agencies, co-lending partners, and board-level committees. The Successful Applicant 15+ years of experience in MSME / SME lending with significant product ownership exposure Proven P&L ownership track record across at least 2 of the 4 product lines (UBL / LAP / EPM / SCF). What's on Offer To be discussed
