Product Manager

4 days ago

Bengaluru Jaipur Mumbai, India Ambit Finvest Full time ₹ 15,00,000 - ₹ 25,00,000 per year

Role & responsibilities

  • Define and manage the product roadmap for Micro LAP / Secured Business Loans.
  • Design product features, pricing, documentation requirements, and workflows tailored to micro and informal MSME segments.
  • Benchmark offerings against competitors and evolving market needs.
  • Collaborate with credit and risk teams to structure eligibility criteria, LTV norms, collateral guidelines, and deviation frameworks.
  • Ensure full compliance with RBI regulations and internal policy standards.
  • Monitor key portfolio metricsdisbursements, yields, delinquencies, and cross-sell performance.
  • Use analytics to optimize pricing, risk parameters, and product structures.
  • Drive initiatives to improve product profitability, operational efficiency, and return on assets.
  • Liaise with operations, tech, legal, and compliance teams to ensure end-to-end process alignment.
  • Support field teams through product training and issue resolution; act as subject matter expert.
  • Identify new customer segments, distribution models, and digital delivery channels.
  • Lead pilots for innovative loan structures, alternate sourcing strategies, and fintech partnerships.

Preferred Candidate Profile

  • MBA / PGDM / CA with experience in BFSI, NBFC, or Fintech sectors.
  • Proven track record in product management—ideally in LAP, secured business loans, or MSME finance.
  • Strong understanding of secured credit policies, underwriting frameworks, and informal customer segments.
  • Experience working with branch-based distribution and rural/semi-urban markets.
  • Familiarity with LOS, core banking systems, and digital product platforms.
  • Excellent analytical, communication, and stakeholder management skills.
  • Exposure to Micro LAP products (1L–25L ticket sizes) and Tier 2–3 geographies.
  • Prior experience in Small Finance Banks, Microfinance NBFCs, or fintechs focused on secured lending

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