Product Lead - Credit Product

Job Description :

As Business Lead for Credit Products in India, you will own the full lifecycle of our credit products - from concept to scale - ensuring product-market fit, regulatory compliance, and profitability.

Your key responsibilities will include :

- Develop and scale a portfolio of credit products for the Indian market (credit cards, EMI, BNPL, cash loans, secured credit cards etc).

- Drive product performance : Achieve portfolio growth, risk, and profitability targets (AR, PAR, NPL, conversion, utilization).

- Market fit: analyze competitive landscape (banks, NBFCs, fintechs, co-branded programs) and tailor our product positioning.

- Collaborate cross-functionally with risk, operations, analytics, marketing, and engineering teams to design and deliver best-in-class experiences.

- Shape product strategy and roadmap : Define priorities, manage sprints with tech teams, and coordinate local regulatory & compliance alignment (RBI, PCI-DSS, KYC/AML, etc.).

- Define pricing and P&L models - interest rates, EMI fees, GSTs, delinquency impact, promotions, etc.

- Monitor KPIs and continuously improve conversion, activation, and repayment behavior metrics.

- Own documentation : Product BRDs, user flows, financial models, and business presentations.

- Act as the voice of the Indian customer, ensuring that local user experience, culture, and financial behavior are reflected in product design.