Senior Product Manager- Lending

Who we are:

Money. A subject that's always on our mind. We go through a rollercoaster of emotions when it comes to money. That's why at Jupiter, our mission is to enable people to improve their relationship with money.

We are a financial services platform that leverages technology to offer our customers seamless and user-friendly products related to banking, loans, and investments. So whether it's a savings account, credit cards, investment and payments, it's all on Jupiter. We also help users cut through the banking jargons, offer smart insights based on spending and provide users with a range of new age features to enable and make sense of their finances.

Our journey so far:

Jupiter was founded in 2019 by Jitendra Gupta. Best known as Citrus Pay's founder, Jiten found himself wondering why personal finance experiences were not customer-centric when everything else like food ordering and entertainment were. That's how our journey began in 2019, with a simple, powerful idea: to create a modern, customer-centric experience that empowers individuals when it comes to their money.

From our humble beginnings, we've strived relentlessly to make managing money easier. In 2021 when we launched we had a waitlist with over 100,000 people eager to experience the world of Jupiter - and within 10 months we crossed 1 million users. Today, we have 2.7 million + happy users on Jupiter.

Our Insights feature today tells how much and where you've been spending automatically, even on your other savings accounts Our Edge CSB Bank RuPay credit card is getting a lot of love for it's head-turning transparent design, not to mention it being a rewarding experience. Our No-Penalty SIP and Daily SIP at Rs 10/- has helped scale our investments business and we have over 100,000 users investing on our platform to fulfill their money aspirations.

We've embraced cutting-edge technology, harnessed the power of data analytics, and assembled a diverse team of creative thinkers and industry experts who share our vision for a more accessible, transparent, and inclusive financial ecosystem. We're now looking for like-minded folks to join the crew.

Requirements

• Mandatory
  6 years of product management experience
  , preferably in
  fintech, digital lending, or consumer credit.
• Strong understanding of the
  end-to-end digital lending lifecycle
  : from user acquisition, e-KYC, and underwriting to disbursal, servicing, and collections.
• Deep understanding of
  Indian lending regulations
  (especially RBI's digital lending guidelines), risk management principles, and credit bureau (CIBIL, Experian) integrations.
• Experience with
  credit underwriting models
  , risk decision engines, and leveraging alternative data for risk assessment is a strong plus.
• Proven ability to lead end-to-end product lifecycle – from ideation to execution.
• High
  user empathy
  – ability to solve real user credit needs and financial problems through customer-first solutions.
• Strong analytical and decision-making skills, using data to define and measure product success (funnel conversion, approval rates, portfolio quality).
• Experience working cross-functionally with engineering, design,
  credit, risk, legal,
  operations, and compliance.
• Comfortable in a fast-paced, high-growth environment with changing priorities.
• Excellent communication and stakeholder management skills.

Key Responsibilities

• Own the
  lending product roadmap
  – from strategy (e.g.,
  Personal Loans, Advance Salary, BNPL
  ) and prioritization to execution and delivery.
• Collaborate with cross-functional teams (Engineering, Data,
  Credit, Risk,
  Compliance, CX) to deliver high-impact, compliant, and scalable lending products.
• Drive innovation in
  digital lending
  – build seamless, intuitive, transparent, and secure user experiences for the entire loan journey.
• Track and analyze
  lending portfolio performance
  , define key success metrics (acquisition funnel, risk-adjusted margin, asset quality), and drive continuous improvements.
• Ensure
  strict regulatory and compliance alignment
  (e.g., RBI Digital Lending Guidelines, Fair Practices Code) in all product constructs and launches.
• Act as central point of contact to liaison with various stakeholders to ensure consensus is faster, any roadblocks are killed, answers to compliances are met & desired outcomes are achieved on time.
• Should be able to articulate your thoughts and ideas, communicate with key stakeholders (which include technical and business teams across the organization) and leverage those discussions to translate business requirements to the engineering team.
• Act as a user's advocate in articulating their
  credit needs
  & pain points. Create optimized persona & scope aligned to conversational journeys so as to guide users through a multi-channel digital experience.
• Work closely with the credit risk team to
  balance growth (acquisition, approval rates) with portfolio quality (NPAs, delinquencies)
  .
• Remove roadblocks, build consensus, and ensure timely delivery of product initiatives.
• Thrive in a start-up environment: love dealing with pace, changing needs, and limited resources.
• Demonstrated ability to think both strategically and tactically including the ability to formulate data-driven and result-oriented decisions.

Why you should work with us:

• We like people who behave like owners, and we place a high regard on those who take ownership and see projects through to completion.
• We take pleasure in tackling meaningful problems by understanding pain points and developing intuitive experiences that delight customers.
• We appreciate those who can participate in healthy conflict and are able to commit to every decision as if it were their own. We value consent, over consensus.
• In our relentless pursuit of excellence, we consistently set higher standards. If you crave continuous learning, growth, and improvement in a dynamic environment, choosing Jupiter is the right move.

Want to know more about us? Hop onto the links below:

• Our values
• Our Team
• Our Journey

What people are saying about us:

• Funding
• Rupay Card
• Feature launch - Magic Spends
• Jupiter Money gets RBI nod for issuing PPI