Lead Product Manager

# Product Manager - Lead PM ## Company Overview The company is a consumer-facing fintech app. ## Job Summary The Lead Product Manager will own the entire lifecycle of the customer app, shaping it from an initial concept to a fully operational product. This role is pivotal in driving user engagement and revenue generation through innovative features and lending journeys while contributing directly to the company's growth objectives. ## Responsibilities - Oversee the **full product lifecycle** of the customer App — including **strategy**, **roadmap**, **delivery**, and **iteration**. - Design and implement **hook product experiences** such as credit score tools and financial health mechanisms aimed at driving new customer acquisition and engagement. - Manage **lending journeys** within the app, covering loan discovery, application, disbursement, and repayment, ensuring integration with its core Loan Origination System (LOS) and Loan Management System (LMS). - Define and execute a **monetization strategy** that includes partnerships, cross-sell opportunities, and fees beyond traditional lending. - Analyze the app's role as a **sourcing channel** through metrics related to user funnels, drop-off rates, and lead quality, informing credit and collections strategies. - Collaborate closely with Mobile Engineers and coordinate cross-functionally with Credit & Risk and Collections teams. ## Qualifications - **Experience:** 5-8 years in product management, with a minimum of 3 years managing a consumer-facing mobile app end-to-end. - **Industry knowledge:** Specific experience in fintech, lending, or Banking, Financial Services, and Insurance (BFSI), with a strong preference for Non-Banking Financial Companies (NBFC), digital lending, or credit-led consumer applications. - **Startup Acumen:** Comfortable operating within an early-to-growth stage company, having successfully scaled products from initial launch to substantial user bases. - **Analytical Skills:** Strong understanding of growth funnels, activation metrics, and retention challenges related to feature delivery. - **Technical Proficiency:** Ability to write clear Product Requirement Documents (PRDs), work independently with engineers, and manage Quality Assurance (QA) cycles. - **Regulatory Knowledge:** Familiarity with India-specific fintech regulations including Account Aggregator (AA), National Automated Clearing House (NACH), Know Your Customer (KYC), and bureau integrations. - **Innovation Mindset:** A strong inclination towards leveraging Artificial Intelligence within the product management discipline. ## Preferred Skills - Prior experience in designing hook products, like credit scoring and spend tracking tools that enhance the lending conversion process. - Understanding of compliance constraints set by the Reserve Bank of India (RBI) and Digital Personal Data Protection (DPDP) on consumer data handling. - Experience working with informal-income or underserved borrower segments. ## Experience 5-6 years of relevant experience with a strong track record in product management focusing on consumer mobile applications. ## Environment The work environment is dynamic and fast-paced, typical of an early-stage fintech company. ## Salary Not specified. ## Growth Opportunities Potential advancement opportunities as it scales and the product evolves, leading to broader responsibilities across product management and leadership. ## Benefits Not specified.