JSW One Finance - Product Manager

About JSW One Finance Limited:

JSW One Finance Limited is a digital-first NBFC and part of the JSW Group, focused on transforming MSME lending in India. We are building a scalable, compliant, technology-driven lending ecosystem across origination, underwriting, loan management, and collections and our LOS is becoming the system of record for every origination and lending decision in the business. The book is scaling fast, and the platform is scaling with it.

What you'll own:

- An origination or servicing surface, end to end discovery, spec, build, UAT, go-live, and iteration.

- The AI layer across that surface:

1. CAM automation - turning credit-memo assembly from manual to assisted to autonomous.

2. Document & financial statement AI - extraction, financial-statement analysis, reconciliation.

3. Underwriting co-pilots - decision-support for credit and risk.

4. Transcript & portfolio analytics - signal extraction from unstructured data.

What you'll actually do:

- Build, not just brief. Prototype flows and AI features yourself with modern tooling (Cursor, Claude, Lovable, n8n) before a single engineer is assigned - so specs arrive as working artifacts, not documents.

- Go deep on the stack. Work directly in workflow logic, rule engines, data structures, and integrations - bureau (CIBIL / Experian / CRIF), KYC / eKYC, account aggregator, bank-statement analysis, e-sign, e-NACH, payment gateways.

- Ship reliable, compliant features. Own quality end to end - data accuracy across the origination pipeline, edge cases, reconciliation, and go-live readiness on a system the whole org depends on.

- Partner across functions. Work shoulder-to-shoulder with engineering, credit, risk, operations, compliance, and external vendors as a technical peer, not a coordinator.

- Push the AI frontier for lending. Identify where AI collapses turnaround time, cost, and error and build it.

Must-have:

- 3-5 years building 0-to-1 products at a funded startup or fintech you have shipped something real into the hands of real people.

- Fluent in AI-native building - you use AI tools daily to prototype, analyze, and ship; you think in agents, prompts, and pipelines.

- Strong systems and data instincts - comfortable with data models, APIs, and integration flows; you reason about the whole system, not just the ticket.

- Hunger to go deep on credit - you want to master the lending domain, and you learn fast.

Nice-to-have:

- Exposure to lending / NBFC / LOS / LMS or collections systems.

- Familiarity with RBI regulatory requirements for NBFCs.

- Experience with lending-tech stacks.

- Experience in secured lending (LAP, MSME loans).