Senior Product Owner (Digital Lending & LOS)

Preferred candidate profile

As a Senior Product Owner, you will own the Product Vision for our Loan Origination System (LOS). You will be responsible for the "Why" and the "When," ensuring that our lending platform stays ahead of market trends while maintaining extreme technical stability. You will mentor Business Analysts and collaborate directly with the C-suite (CTO/CRO) to align technical roadmaps with business growth targets.

Role & responsibilities

1. Strategic Roadmap & Prioritization

• Vision Ownership: Define the multi-year roadmap for the LOS, balancing new product launches (e.g., transitioning from Unsecured to Secured) with technical debt.
• Backlog Grooming: Manage and prioritize a high-velocity product backlog to ensure the engineering team works on high-impact features.
• Stakeholder Buy-in: Navigate conflicting requirements from Risk (who want more friction/checks) and Sales (who want one-click disbursements).

2. Technical Orchestration & Architecture

• System Evolution: Lead the transition from monolithic LOS architectures to Microservices-based architectures.
• Vendor Ecosystem: Evaluate and onboard third-party Fintech partners (Liveness checks, Account Aggregators, BRE engines) and manage the "Build vs. Buy" decision-making process.
• Regulatory Compliance: Ensure the product journey is "Compliant by Design," incorporating RBI/Global regulatory mandates into the automated workflow.

3. Segmented Competence Matrix

A. Unsecured Lending Mastery (Lead Level)

Focus: Hyper-Scalability & Data-Driven Growth

• BRE Orchestration: Expertise in configuring complex Business Rule Engines that can process 10,000+ applications daily without manual intervention.
• Funnel Analytics: Using data to identify micro-conversions and implementing A/B testing on different credit policy rules.
• Collection Integration: Designing the handshake between the LOS and the Collections/Recovery systems for early-warning signals.

B. Secured Lending Mastery (Lead Level)

Focus: Risk Mitigation & Ecosystem Integration

• LTV Optimization: Dynamically adjusting Loan-to-Value ratios based on real-time market data or collateral depreciation models.
• Legal Tech Integration: Automating the "Title Search" and "Lien Marking" processes via integration with government property or education registries.
• Complex Disbursement: Managing "Tranche-based" disbursements common in Education or Construction loans, linked to physical milestones.

Technical Toolkit

• Project Management: Jira (Advanced Roadmaps), AWS DevOps.
• Analytics: SQL, Google Analytics.
• Technical: Deep understanding of Cloud Infrastructure (AWS/Azure) and API Gateways.
• Architecture: LucidChart or Miro for high-level system design.