Product Manager - Lending

ROLE: Product Manager (Lending)

LOCATION: Bengaluru

About CheQ:

At CheQ, we're turning the chaos of credit into a journey that's clear, rewarding, and even a little fun. With 80,000 Cr+ in lifetime payments, a growing tribe of users (30%+ using more than two products), and $16M raised from marquee investors, we're fast becoming India's favourite way to go from credit-stressed to credit-smart.

What you'll be doing:

We're looking for a Product Manager to join our Lending team and drive the personal loans and credit product experience. You'll independently own key parts of the lending journey - working closely with engineering, design, risk, compliance, and business teams to build products that are simple, compliant, and genuinely useful for our users.

Key Responsibilities:

- Independently own the product roadmap for specific lending journeys (e.g., loan application flow, eligibility checks, disbursal, repayment, collections experience)

- Translate business and regulatory requirements (RBI digital lending guidelines, KYC, FLDG norms) into detailed product specs and drive them through to launch

- Partner with engineering and design to ship features end-to-end, balancing user experience with regulatory and risk constraints

- Own funnel analysis, conversion metrics, and cohort behaviour to identify and resolve friction points across the loan lifecycle

- Work closely with risk and credit teams to understand underwriting logic and translate it into product decisions

- Manage relationships with lending partners (NBFCs/banks) and internal compliance to ensure product changes meet regulatory requirements

- Design and run A/B tests to improve onboarding, KYC, and disbursal conversion

- Mentor junior PMs or associate PMs on specs, prioritization, and stakeholder management (as applicable)

- Present roadmap updates, metrics, and insights to leadership on a regular cadence

What We're Looking For:

- 2-4 years of experience in product management, with demonstrated ownership of lending, personal loans, or credit products (fintech, NBFC preferred)

- Solid understanding of the end-to-end lending lifecycle - application, KYC, underwriting, disbursal, repayment/collections

- Working knowledge of RBI digital lending guidelines and how regulatory constraints shape product decisions

- Strong analytical skills - comfortable independently running funnel analysis, cohort analysis, and SQL queries

- Proven ability to write clear PRDs and drive cross-functional execution with minimal oversight

- Experience collaborating directly with partner lending banks and NBFCs

Why you should join CheQ?:

You own it, we trust you:

Shape your work with freedom, deliver with ownership, backed by trust.

Bold, fast & human:

We push boundaries together, and deliver with agility, rigor, and heart. Always looking out for one another.

Growth by osmosis:

Learn directly from a stellar leadership team with rich, diverse backgrounds.

What you will not get:

- Monotony - Work is dynamic, expect variety every day.

- Slow climbs - Growth here is about leaps, not ladders.

- Layers of red tape - We believe in speed, not bureaucracy.