CreditMitra - Product Manager

Description: Key Responsibilities: Product Strategy & Roadmap: - Define and own the product roadmap for lending, insurance, and mutual fund journeys (web + app). - Translate business goals (acquisition, approval rate, portfolio quality, cross-sell) into clear product initiatives. - Prioritise features using data, effortimpact, and stakeholder inputs. Digital Lending (LOS/LMS Journeys): - Design and improve journeys for loan application, KYC, underwriting, e-mandate, disbursal and repayment. - Work with credit/risk teams to implement policies, rule engines and bank statement analysis / bureau integrations. - Coordinate with NBFC / bank partners for product specs, APIs, and compliance requirements. - Insurance & Mutual Fund Journeys - Build and optimise journeys for insurance (life/health/general) and mutual fund products from lead to policy/order completion. - Work with IRDAI / SEBI / AMFI-compliant partners and platforms for product listing, quotes, journeys and post-sale flows. - Enable cross-sell and upsell flows from lending customers to insurance/MF and vice versa. - Requirement Gathering & Documentation - Convert business problems into clear PRDs, user stories and acceptance criteria for the tech team. - Maintain up-to-date process flows, API specs (in coordination with tech) and configuration documents. Execution with Tech & Design: - Work closely with engineering, QA and design to deliver features on time and with high quality. - Conduct UAT, sanity checks and ensure smooth releases across web and app. - Continuously refine UX to reduce drop-offs and improve conversions. Data, Analytics & Optimization: - Track key metrics: funnel drop-offs, approval rates, TAT, NPS, collection behaviour, cross-sell uptake, etc. - Use data and customer feedback to identify issues and drive A/B tests and improvements. Compliance, Risk & Operations Alignment: - Ensure products are aligned with RBI, IRDAI, SEBI/AMFI guidelines and partner requirements. - Work with operations, collections and customer support teams to build internal tools and dashboards for smooth servicing and tracking. - Stakeholder & Vendor Management - Liaise with external partners (NBFCs, insurers, brokers, MF platforms, KYC providers, bureaus, PGs) for integrations and enhancements. - Run regular reviews with business, marketing and leadership on product performance and roadmap. Required Qualifications & Experience: - 3 - 6 years of experience as a Product Manager / Associate Product Manager in fintech / banking / insurance / investments. - Strong understanding of at least one of the following (and willingness to learn the others): - Digital lending (personal loans / consumer loans) - Insurance distribution (web/app journeys, POSP/corporate agent model) - Mutual fund distribution / investment products - Experience working with tech teams, APIs, mobile/web products. - Ability to write clear PRDs/user stories and work in agile/sprint-based environments.