Product Manager - Digital Personal Loan

Job Purpose:

This role is responsible to represent the business in the delivery of product and technology initiatives for Open Market Personal Loan. Translate business priorities into clear requirements, work closely with product, IT development, and QA teams to get them built and tested well, and ensure the business is ready to launch and run what is delivered.

Key Responsibilities:

a) Business ownership of product and technology initiatives:

• Own business requirements for new initiatives: define the problem, expected outcomes, and priorities, and align them with product teams
• Partner with product, development, and QA teams from scoping through to UAT sign-off, clarifying requirements, reviewing solutions, and resolving open questions
• Drive business UAT: define test scenarios, validate outcomes, and give timely sign-off decisions
• Run the weekly project status forum from the business side, tracking milestones, dependencies, risks, and escalations
• Escalate and unblock issues with IT and product leadership when timelines or scope are at risk

b) Business operations and production support:

• Be the business point of contact for production issues: assess customer and business impact, prioritise with IT, and track resolution and root cause
• Own business-side changes to the IRR grid and the monthly base upload cycle (IRR mapping, PAN-Aadhaar linkage, negative pincode removal, system upload), working with IT to execute them accurately
• Ensure operational readiness for releases, including communication to sales, credit, and operations teams

c) Risk, compliance, and governance:

• Act as Risk SPOC for the business
• Resolve queries from Risk, Infosec, and Compliance, and provide the required artefacts and evidence
• Ensure initiatives meet regulatory and internal compliance requirements before go-live

d) Project management: Scoping, prioritization, milestone tracking, UAT planning, risk and dependency management

e) Stakeholder management: Influencing across product, development, QA, risk, Infosec, compliance, and fintech partners without direct authority

f) Business-to-technology translation: writing clear requirements and user stories, and challenging solutions constructively

g) Product thinking: understanding customer journeys, lending workflows, and the impact of changes on business metrics

h) Governance and compliance awareness: regulatory expectations for digital lending

i) Communication: crisp status updates and escalations to senior management

Job Requirements:

• Graduate / Postgraduate / MBA from Tier I/II institutions
• 8 - 12 years of experience with proven experience in lending, fintech, or financial services
• Strong people focus & Industry Insights
• Demonstrated interest and involvement in diversity initiatives
• Experience of on digital products or technology projects from the business
• Effective planning and project management capabilities
• Excellent Consulting and influencing skills