Product Manager - Digital Lending & Growth

Location: Gurugram, India

Department: Product

Employment Type: Full-Time

About Stashfin:

Stashfin is one of India's leading fintech platforms, dedicated to empowering millions of consumers through accessible, flexible, and transparent digital credit solutions. Powered by advanced technology, machine learning, and seamless digital onboarding, Stashfin offers a dynamic credit line and personal loan products designed to make borrowing seamless and secure.

Role Overview:

We are seeking a high-energy, data-driven, and consumer-focused Product Manager to own end-to-end customer journeys and core lending products on the Stashfin platform. In this role, you will bridge the gap between business strategy, user experience, credit risk, and engineering to design, launch, and optimize 0 - 1 and growth-stage digital financial products.

Key Responsibilities:

1. Product Strategy & Roadmap Execution:

- End-to-End Ownership: Define the vision, strategy, and execution roadmap for key consumer lending funnels (Credit Line, Personal Loans, BNPL, or Credit Cards).

- 0 - 1 & Lifecycle Expansion: Drive new feature discovery, build Product Requirement Documents (PRDs), and manage feature execution from discovery through launch and optimization.

- Customer Journey Mapping: Design frictionless digital onboarding, KYC, bureau integration, underwriting, e-mandate/repayment, and repeat drawdown journeys.

2. Funnel Diagnostics, Analytics & Growth:

- Conversion Optimization: Map main funnels end-to-end (install to KYC, approval, drawdown, and repeat usage) to identify friction points and minimize drop-offs.

- A/B Experimentation: Design and run hypothesis-driven A/B tests with proper control/holdout groups to drive incremental lift in conversion and disbursement metrics.

- Data Fluency: Leverage SQL, Amplitude, Mixpanel, and product dashboards to pull data, analyze cohort retention, and make data-backed product decisions.

3. Cross-Functional Leadership & Engineering Collaboration:

- Tech & Design Alignment: Work closely with UX/UI designers, tech leads, and QA teams to translate product requirements into clear user stories, wireframes, and acceptance criteria in Jira.

- Risk, Credit & Compliance Coordination: Collaborate with Risk, Credit, Legal, and Compliance teams to build automated Business Rule Engines (BRE) while ensuring strict adherence to RBI Digital Lending Directions, TRAI DLT/DND templates, and DPDP frameworks.

- Partner API Integrations: Lead integrations with external banking partners, credit bureaus (CIBIL, Experian, CRIF), verification gateways (Aadhaar/PAN/Video-KYC), and payment aggregators.

Experience & Qualification Requirements:

Must-Haves:

- Experience: 5 - 7 years of hands-on Product Management experience in consumer-facing mobile apps, ideally in Fintech, Digital Lending, Payments, or Neo-banking.

- Fintech Domain Knowledge: Working knowledge of digital credit lifecycles, LOS/LMS platforms, bureau integration, KYC flows, and repayment mechanisms (e-NACH/UPI AutoPay).

- Analytical Capability: Proficient in SQL (joins, window functions) and product analytics tools (Mixpanel, Amplitude, CleverTap, Google Analytics, Power BI).

- Execution Excellence: Track record of shipping impactful product features from discovery to release with measurable metrics (e.g., CPL reduction, approval uplift, TAT reduction).

- Education: B.Tech/B.E. in Computer Science or related technical discipline, or an MBA from a tier-1 institute (preferred).

Good-to-Haves:

- Experience working with ML/data science teams on propensity, credit-scoring, or uplift models.

- Exposure to automated user lifecycle tools (CleverTap, MoEngage, WebEngage, or Braze).

- Experience handling high-volume digital lending apps with over 1M+ active monthly users.