Product Lead

Own the end-to-end digital loan journey from the first tap to disbursal and onwards to repayment and repeat borrowing. The core job is conversion: find where borrowers drop off across KYC, verification, eligibility, and disbursal, and systematically fix it. The journey must work for both new digital customers and existing branch customers using the app as a self-service tool.

Responsibilities:

• Own the funnel: map every stage of the loan journey and instrument drop-off and prioritise the fixes that unlock the most funded loans per rupee of effort.
• Journey design: design and iterate onboarding, KYC, eligibility, and disbursal flows that reduce friction without compromising compliance or credit quality.
• Dual audience: build for both new digital borrowers and existing branch customers using the app for repayments, statements, top-ups, and additional loans.
• Assisted-digital: designed journeys that work in a phygital context, where a field officer or branch staff member may help a customer complete their first app journey.
• Roadmap and prioritisation: maintain a clear, evidence-led roadmap; make trade-offs transparently and tie each release to a funnel or activation metric.
• Cross-functional delivery: work closely with engineering, design, data, credit, and operations to ship and measure improvements.
• Voice of the customer: bring real user research and session data into decisions, especially for lower-digital-maturity users.

What Success Looks Like:

• Measurable, sustained improvement in application-to-disbursal conversion.
• Reduced drop-off at the highest-leakage funnel stages.
• Rising share of existing customers active on the app for self-service.

Requirements:

• Experience of 8 to 10 years in a fintech.
• Demonstrated experience building and improving digital loan journeys, owning a funnel and moving conversion, not just shipping features.
• Strong grasp of the mechanics of digital lending: KYC, verification, eligibility, disbursal, and where users fall out.
• Fluency with product analytics and experimentation; comfortable making decisions from funnel data.
• Ability to work across engineering, design, credit, and operations to deliver.

Good-to-Have:

• Experience designing for first-time or lower-digital-maturity users.
• Experience in an NBFC, bank, or fintech lending context.
• Exposure to assisted-digital or phygital onboarding models.