About Balancehero – Balancehero India Pvt. Ltd. (BHI), the wholly-owned subsidiary of Balancehero Co. Ltd., Korea which runs and operates the mobile app “True Balance”- a one-stop destination for financial services.” Founded by Charlie Lee in Korea in 2014, Balancehero started its operations in India in the year 2016. It started off as a balance check application and the company has expanded its business model to financial services. The company aims to build a financial platform for the next billion which set the context for loans, utility services, pay later services, and commerce services. The Company's wholly-owned subsidiary True Credits Private Limited, is a licensed NBFC that aims to bridge the financial gap in India by making Finance available for all. True Credits lends through the True Balance mobile application. About True Balance Owned and operated by BalanceHero Group, True Balance is an RBI authorized Prepaid Payment Instrument (PPI) issuing entity. It offers loans through its subsidiary and RBI licensed Non-Banking Financial Company - True Credits Private Limited and other RBI licensed partners. Founded in 2016, as a mobile app for users in India to efficiently manage their phone calls and data usage, True Balance is now India’s one of the top financial services platforms providing solutions to all the financial needs of its users - from obtaining instant loans, paying utility bills to do prepaid recharges seamlessly. To date, True Balance has raised more than US$84 million in equity funding from marquee global investors like Softbank, Naver, and Line to name a few. The company aims to become the go-to financial services platform for the next billion people in India, playing a key role in the nationwide push towards the goal of Digital India and advancing financial inclusion amongst the unbanked and underbanked people. https://www.truebalance.io/ About True Credits Established in 2019, True Credits is the RBI licensed NBFC that provides innovative financial services to empower the next billion unbanked users. They cater to the personal and business needs of consumers by providing fast and hassle-free finance. True Credits is focused towards unbanked users who have created a huge demand for instant credit services in India. About the Role: We are looking for a strategic and hands-on Finance Controller to lead financial operations in our fast-growing digital lending business. You’ll play a key role in driving financial strategy, ensuring regulatory compliances, and enabling scalable growth. The ideal candidate brings deep financial acumen, experience in fintech or lending, and a proactive, data-driven mindset. Key Responsibilities: 1. Financial Reporting & Compliance: Ensure accurate, timely, and compliant financial reporting as per IND-AS, Companies Act, and RBI NBFC norms. Lead the statutory, internal, and tax audit processes; coordinate with external auditors and regulatory bodies. Own the monthly, quarterly, and annual closing processes and financial consolidations. 2. Regulatory Oversight (RBI & Others): Oversee all RBI reporting requirements including returns, support inspections, and ongoing compliance updates. Collaborate with legal and compliance teams to ensure alignment with NBFC regulatory frameworks and changes. 3. Taxation: Manage direct and indirect taxation (GST, TDS, income tax), including filings, reconciliations, and assessments. Drive tax planning initiatives to ensure efficiency and compliance. 4. Financial Planning & Analysis (FP&A): Actively support budgeting, forecasting, and long-term financial planning cycles. Build and maintain robust MIS frameworks for financial and operational insights. Partner with cross-functional teams (product,credit, collections) to drive P&L performance and cost efficiencies. 5. Controls, Processes & Automation: Strengthen internal financial controls and design scalable SOPs. Implement automation and digitization of finance processes and business intelligence tools. Drive process improvements in reconciliation, invoicing, and vendor management. 6. Team Leadership: Lead and mentor a high-performing finance and accounts team. Drive a culture of accountability, transparency, and continuous learning. Required Qualifications: Chartered Accountant (CA) with 12–15 years of relevant post-qualification experience. Prior experience in NBFC / fintech / digital lending environment is essential. Strong understanding of loan lifecycle accounting, provisioning norms, and lending revenue models Strong exposure to RBI NBFC regulatory framework, IND-AS, tax compliance, and audit. Proven ability to manage stakeholders across internal and external functions. Experience with ERP systems and financial automation tools. Excellent leadership, communication, and stakeholder management skills Preferred Experience: Worked in a digital-first financial services or fintech environment Knowledge of regulatory reporting in digital lending (e.g., RBI, SEC, CFPB, or equivalent) Show more Show less

About The Company Balancehero India Pvt. Ltd. (BHI), the wholly-owned subsidiary of Balancehero Co. Ltd., Korea which runs and operates the mobile app “True Balance”- a one-stop destination for financial services.” Founded by Charlie Lee in Korea in 2014, Balancehero started its operations in India in the year 2016. It started off as a balance check application and the company has expanded its business model to financial services. The company aims to build a financial platform for the next billion which set the context for loans, utility services, pay later services, and commerce services. The Company's wholly-owned subsidiary True Credits Private Limited, is a licensed NBFC that aims to bridge the financial gap in India by making Finance available for all. True Credits lends through the True Balance mobile application. About True Balance Owned and operated by BalanceHero Group, True Balance is an RBI authorized Prepaid Payment Instrument (PPI) issuing entity. It offers loans through its subsidiary and RBI licensed Non-Banking Financial Company - True Credits Private Limited and other RBI licensed partners. Founded in 2016, as a mobile app for users in India to efficiently manage their phone calls and data usage, True Balance is now India’s one of the top financial services platforms providing solutions to all the financial needs of its users - from obtaining instant loans, paying utility bills to do prepaid recharges seamlessly. To date, True Balance has raised more than US$84 million in equity funding from marquee global investors like Softbank, Naver, and Line to name a few. The company aims to become the go-to financial services platform for the next billion people in India, playing a key role in the nationwide push towards the goal of Digital India and advancing financial inclusion amongst the unbanked and underbanked people. https://www.truebalance.io/ About True Credits: Established in 2019, True Credits is the RBI licensed NBFC that provides innovative financial services to empower the next billion unbanked users. They cater to the personal and business needs of consumers by providing fast and hassle-free finance. True Credits is focused towards unbanked users who have created a huge demand for instant credit services in India. Job Description 1.Daily, Weekly and monthly KPIs are met or exceed core operational functions of the team and performance management is achieved. 2. Oversee the collection of outstanding DPD accounts while ensuring it is handled appropriately and per company policy with no escalation. 3. Create and implement strategies to increase the number of successful collections on outstanding debt. 4. Reports analysis and strategy resolution for operational gaps or opportunities to achieve desired business targets 5. Strong written and verbal communication skills 6. Proficient in MS office 7.Experienced with exposure to relevant industry and Banking is a must have, with collections experience good to have (not a must have). 8. A seasoned professional with good data and operational background 9. Versatile with data analytics, strategy as well as team management 10. The selected candidate will be responsible for managing our in-house collections team Show more Show less

About Balancehero India Balancehero India Pvt. Ltd. (BHI), the wholly-owned subsidiary of Balancehero Co. Ltd., Korea which runs and operates the mobile app “True Balance”- a one-stop destination for financial services.” Founded by Charlie Lee in Korea in 2014, Balancehero started its operations in India in the year 2016. It started off as a balance check application and the company has expanded its business model to financial services. The company aims to build a financial platform for the next billion which set the context for loans, utility services, pay later services, and commerce services. The Company's wholly-owned subsidiary True Credits Private Limited, is a licensed NBFC that aims to bridge the financial gap in India by making Finance available for all. True Credits lends through the True Balance mobile application. About True Balance Owned and operated by BalanceHero Group, True Balance is an RBI authorized Prepaid Payment Instrument (PPI) issuing entity. It offers loans through its subsidiary and RBI licensed Non-Banking Financial Company - True Credits Private Limited and other RBI licensed partners. Founded in 2016, as a mobile app for users in India to efficiently manage their phone calls and data usage, True Balance is now India’s one of the top financial services platforms providing solutions to all the financial needs of its users - from obtaining instant loans, paying utility bills to do prepaid recharges seamlessly. To date, True Balance has raised more than US$84 million in equity funding from marquee global investors like Softbank, Naver, and Line to name a few. The company aims to become the go-to financial services platform for the next billion people in India, playing a key role in the nationwide push towards the goal of Digital India and advancing financial inclusion amongst the unbanked and underbanked people. Balancehero India | LinkedIn About True Credits Established in 2019, True Credits is the RBI licensed NBFC that provides innovative financial services to empower the next billion unbanked users. They cater to the personal and business needs of consumers by providing fast and hassle-free finance. True Credits is focused towards unbanked users who have created a huge demand for instant credit services in India. Job Description: Provide assistance in maintaining the Information Security, Privacy and business continuity program at the organization. Perform the internal assessments and gap assessments related to IS, Privacy and BCP. Suggest and implement best practices for IS, Privacy and BCP. Coordinate with external auditors and assist in completing the audit on time. Perform risk assessment and maintain a risk register. Create processes to ensure compliance with IS, Privacy and BCP policies. Create and manage a governance framework to monitor the health of the processes related to IS, Privacy and BCP. Perform day to day operational activities related to IS, Privacy and BCP including but not limited to Access review, Vendor Risk Assessment, Incident Management, Change Review, System Hardening Review etc. Review and manage incidents generated by DLP, AV, SOC, AWS etc. Conduct sessions/ programs to impart information security awareness among employees. Required Experience : Candidates must have more than 5 years of relevant experience in the field of Information Security, Business Continuity and Privacy. Candidates must have a good understanding of standards like ISO 27001 and ISO 22301, PCI DSS. Candidates should have exposure to security tools like AV, DLP, SIEM, WAF, MDM, PIM/PAM, NAC etc. Candidates must have experience of conducting internal audit/assessment for the departments like Corporate IT, DevOps, HR, Development, admin etc. Candidates must have exposure to security domains like Cloud Security, IAM, Asset Management, Network Security, System hardening, End User security etc. Candidate should have prior experience of implementing & maintaining ISO27001 and ISO22301. Candidates should be able to communicate with higher management, technical teams and other relevant stakeholders to manage day-to-day tasks. Exposure to RBI/NPCI guidelines is preferred. Show more Show less

About Balancehero: Balancehero India Pvt. Ltd. (BHI), the wholly-owned subsidiary of Balancehero Co. Ltd., Korea which runs and operates the mobile app “True Balance”- a one-stop destination for financial services.” Founded by Charlie Lee in Korea in 2014, Balancehero started its operations in India in the year 2016. It started off as a balance check application and the company has expanded its business model to financial services. The company aims to build a financial platform for the next billion which set the context for loans, utility services, pay later services, and commerce services. The Company's wholly-owned subsidiary True Credits Private Limited, is a licensed NBFC that aims to bridge the financial gap in India by making Finance available for all. True Credits lends through the True Balance mobile application. About True Balance: Owned and operated by BalanceHero Group, True Balance is an RBI authorized Prepaid Payment Instrument (PPI) issuing entity. It offers loans through its subsidiary and RBI licensed Non-Banking Financial Company - True Credits Private Limited and other RBI licensed partners. Founded in 2016, as a mobile app for users in India to efficiently manage their phone calls and data usage, True Balance is now India’s one of the top financial services platforms providing solutions to all the financial needs of its users - from obtaining instant loans, paying utility bills to do prepaid recharges seamlessly. To date, True Balance has raised more than US$84 million in equity funding from marquee global investors like Softbank, Naver, and Line to name a few. The company aims to become the go-to financial services platform for the next billion people in India, playing a key role in the nationwide push towards the goal of Digital India and advancing financial inclusion amongst the unbanked and underbanked people. https://www.truebalance.io/ About True Credits: Established in 2019, True Credits is the RBI licensed NBFC that provides innovative financial services to empower the next billion unbanked users. They cater to the personal and business needs of consumers by providing fast and hassle-free finance. True Credits is focused towards unbanked users who have created a huge demand for instant credit services in India. Job Description: We are seeking a data-driven and strategic Decision Scientist to join our team. In this role, you will partner with product managers, designers, engineers, and business stakeholders to generate insights that drive product/business decisions. You’ll play a key role in helping the company understand user behaviour, measure feature performance, and optimize the product roadmap. Roles & Responsibility: Partner with product teams to define key metrics, monitor product performance, and uncover actionable insights. Analyze user behavior across the product lifecycle (acquisition, KYC, activation, engagement, retention) to drive improvements and reduce friction. Design and analyze A/B tests and other experiments to inform product decisions. Build dashboards and reports to visualize product performance and communicate findings to stakeholders. Translate business and product questions into structured analysis and clear recommendations. Collaborate with data engineering and platform teams to ensure data accuracy and availability. Maintain high standards of data integrity and support audit or compliance requests as needed. Required Experience: 4–7+ years in product analytics or data science, ideally in fintech, banking, lending, or payments. Strong analytical and problem-solving skills, with the ability to distill complex data into clear insights Strong proficiency in SQL; experience with Python, R, or other scripting languages is a plus. Proven track record of designing, executing, and interpreting A/B tests and other forms of experimentation. Strong experience with data visualization tools (e.g., Looker, Tableau, Power BI). Excellent communication skills with the ability to translate complex data into clear business insights. Comfortable working in fast-paced environments and managing multiple projects simultaneously. Exceptional written and verbal communication skills to influence cross-functional teams Hands on experience with machine learning preferred Show more Show less

About Balancehero:- Balancehero India Pvt. Ltd. (BHI), the wholly-owned subsidiary of Balancehero Co. Ltd., Korea which runs and operates the mobile app “True Balance”- a one-stop destination for financial services.” Founded by Charlie Lee in Korea in 2014, Balancehero started its operations in India in the year 2016. It started off as a balance check application and the company has expanded its business model to financial services. The company aims to build a financial platform for the next billion which set the context for loans, utility services, pay later services, and commerce services. The Company's wholly-owned subsidiary True Credits Private Limited, is a licensed NBFC that aims to bridge the financial gap in India by making Finance available for all. True Credits lends through the True Balance mobile application. About True Balance Owned and operated by BalanceHero Group, True Balance is an RBI authorized Prepaid Payment Instrument (PPI) issuing entity. It offers loans through its subsidiary and RBI licensed Non-Banking Financial Company - True Credits Private Limited and other RBI licensed partners. Founded in 2016, as a mobile app for users in India to efficiently manage their phone calls and data usage, True Balance is now India’s one of the top financial services platforms providing solutions to all the financial needs of its users - from obtaining instant loans, paying utility bills to do prepaid recharges seamlessly. To date, True Balance has raised more than US$84 million in equity funding from marquee global investors like Softbank, Naver, and Line to name a few. The company aims to become the go-to financial services platform for the next billion people in India, playing a key role in the nationwide push towards the goal of Digital India and advancing financial inclusion amongst the unbanked and underbanked people. https://www.truebalance.io/ About True Credits: Established in 2019, True Credits is the RBI licensed NBFC that provides innovative financial services to empower the next billion unbanked users. They cater to the personal and business needs of consumers by providing fast and hassle-free finance. True Credits is focused towards unbanked users who have created a huge demand for instant credit services in India. Key Responsibilities: Leadership & Strategy: Define and lead the overall product design vision and strategy, ensuring alignment with business goals and user needs. Manage, mentor, and grow the product design team, fostering a culture of creativity, user-centric thinking, and high-quality execution. Advocate for the role of design in shaping the product strategy, promoting design thinking, data-driven, and user-centered approach across the company. Playing Coach: Not only lead other designers but also should do hands-on design for lead-by-example Data-driven Design Process & Execution: Own the entire product design system and process, from concept and ideation to prototyping and delivery of high-quality designs Create and oversee the development of wireframes, user flows, prototypes, and high-fidelity visual designs that clearly communicate product ideas. Data/Fact-driven approach: Continuously assess and optimize the performance of design solutions through user testing/research, data analytics, and qualitative feedback. Work with product managers and engineers to define, develop, and deliver product features, ensuring designs are technically feasible and scalable. Fintech Expertise & Competitive Edge: Understand the regulatory, security, and compliance challenges specific to fintech, and design products that are compliant with industry standards. Stay on top of trends in the fintech industry, ensuring our design approach remains innovative, competitive, and aligned with market demands. Cross-functional & Cross-cultural Collaboration: Collaborate closely with product, engineering, marketing, and operations teams to deliver a cohesive product experience and ensure efficient communication and collaboration across the company. Lead pan-Asian designers including India and Korea effectively and work with an international team. Key Qualifications: 8+ years of product design experience, with at least 3+ years in a leadership role (preferably within a startup or fintech company). Proven experience in designing complex digital products, preferably in fintech, SaaS, or mobile applications. Experience with data-driven design and knowledge of UX metrics. Strong portfolio showcasing a history of delivering innovative, user-centric designs that balance business needs and technical constraints or design and a problem-solving Deep expertise in UX/UI design, user research, interaction design, and prototyping. Hands-on experience with design tools such as Figma, Sketch, Adobe Creative Suite, etc. Strong understanding of fintech industry regulations, user needs, and competitive landscape. Ability to work in a fast-paced, agile environment, balancing multiple priorities and projects. Excellent communication and interpersonal skills, with the ability to articulate design decisions to stakeholders and team members. Nice to Have: Background in financial services, banking, payments, or similar fintech sectors. Experience working with cross-border teams or products in multiple geographies. Show more Show less

About Balancehero India Balancehero India Pvt. Ltd. (BHI), the wholly-owned subsidiary of Balancehero Co. Ltd., Korea which runs and operates the mobile app “True Balance”- a one-stop destination for financial services.” Founded by Charlie Lee in Korea in 2014, Balancehero started its operations in India in the year 2016. It started off as a balance check application and the company has expanded its business model to financial services. The company aims to build a financial platform for the next billion which set the context for loans, utility services, pay later services, and commerce services. The Company's wholly-owned subsidiary True Credits Private Limited, is a licensed NBFC that aims to bridge the financial gap in India by making Finance available for all. True Credits lends through the True Balance mobile application. About True Balance Owned and operated by BalanceHero Group, True Balance is an RBI authorized Prepaid Payment Instrument (PPI) issuing entity. It offers loans through its subsidiary and RBI licensed Non-Banking Financial Company - True Credits Private Limited and other RBI licensed partners. Founded in 2016, as a mobile app for users in India to efficiently manage their phone calls and data usage, True Balance is now India’s one of the top financial services platforms providing solutions to all the financial needs of its users - from obtaining instant loans, paying utility bills to do prepaid recharges seamlessly. To date, True Balance has raised more than US$84 million in equity funding from marquee global investors like Softbank, Naver, and Line to name a few. The company aims to become the go-to financial services platform for the next billion people in India, playing a key role in the nationwide push towards the goal of Digital India and advancing financial inclusion amongst the unbanked and underbanked people. Balancehero India | LinkedIn About True Credits Established in 2019, True Credits is the RBI licensed NBFC that provides innovative financial services to empower the next billion unbanked users. They cater to the personal and business needs of consumers by providing fast and hassle-free finance. True Credits is focused towards unbanked users who have created a huge demand for instant credit services in India. Job Description: About the Role : BalanceHero's ML Engineer builds and operates training/serving systems and data pipelines for ML/LLM powered applications related to marketing/review/recovery of loan products. About the Responsibilities Building and operating data pipelines and feature stores for training and serving ML/LLM models Building and operating ML/LLM model serving systems Building and operating monitoring systems for ML/LLM powered applications Managing and deploying ML/LLM model versions Requirements Fluent in Python Experience on designing and building data pipelines for large-scale data using Hadoop Ecosystem in a cloud environment Experience on managing model versions and deployments while continuously updating one or more ML-powered applications Experience on operating ML Products that provide real-time prediction services Experience on open source (Triton, torchserve, BentoML, ONNX, etc.) and cloud solutions (AWS Sagemaker Endpoint, GCP Vertex AI, etc.) for model serving Experience on monitoring data shift and consistency while maintaining ML/LLM powered applications Preferred qualification Experience on Pyspark and Polars in large scale project Experience on AWS ML-related services (EMR, Glue, Sagemaker, Athena, etc.) Experience optimizing high-performance models using GPU Roles and responsibilities: About the Role: BalanceHero's ML Engineer builds and operates training/serving systems and data pipelines for ML/LLM powered applications related to marketing/review/recovery of loan products. About the Responsibilities Building and operating data pipelines and feature stores for training and serving ML/LLM models Building and operating ML/LLM model serving systems Building and operating monitoring systems for ML/LLM powered applications Managing and deploying ML/LLM model versions . Required Experience : Fluent in Python Experience on designing and building data pipelines for large-scale data using Hadoop Ecosystem in a cloud environment Experience on managing model versions and deployments while continuously updating one or more ML-powered applications Experience on operating ML Products that provide real-time prediction services Experience on open source (Triton, torchserve, BentoML, ONNX, etc.) and cloud solutions (AWS Sagemaker Endpoint, GCP Vertex AI, etc.) for model serving Experience on monitoring data shift and consistency while maintaining ML/LLM powered applications

About Balancehero:- Balancehero India Pvt. Ltd. (BHI), the wholly-owned subsidiary of Balancehero Co. Ltd., Korea which runs and operates the mobile app “True Balance”- a one-stop destination for financial services.” Founded by Charlie Lee in Korea in 2014, Balancehero started its operations in India in the year 2016. It started off as a balance check application and the company has expanded its business model to financial services. The company aims to build a financial platform for the next billion which set the context for loans, utility services, pay later services, and commerce services. The Company's wholly-owned subsidiary True Credits Private Limited, is a licensed NBFC that aims to bridge the financial gap in India by making Finance available for all. True Credits lends through the True Balance mobile application. About True Balance: Owned and operated by BalanceHero Group, True Balance is an RBI authorized Prepaid Payment Instrument (PPI) issuing entity. It offers loans through its subsidiary and RBI licensed Non-Banking Financial Company - True Credits Private Limited and other RBI licensed partners. Founded in 2016, as a mobile app for users in India to efficiently manage their phone calls and data usage, True Balance is now India’s one of the top financial services platforms providing solutions to all the financial needs of its users - from obtaining instant loans, paying utility bills to do prepaid recharges seamlessly. To date, True Balance has raised more than US$84 million in equity funding from marquee global investors like Softbank, Naver, and Line to name a few. The company aims to become the go-to financial services platform for the next billion people in India, playing a key role in the nationwide push towards the goal of Digital India and advancing financial inclusion amongst the unbanked and underbanked people. https://www.truebalance.io/ About True Credits: Established in 2019, True Credits is the RBI licensed NBFC that provides innovative financial services to empower the next billion unbanked users. They cater to the personal and business needs of consumers by providing fast and hassle-free finance. True Credits is focused towards unbanked users who have created a huge demand for instant credit services in India. The candidate should provide comprehensive support to the legal team in all activities, ensuring compliance with legal requirements and company policies. This role involves reviewing and vetting agreements, drafting standard templates, resolving customer complaints, performing due diligence, supporting litigation processes, managing legal documents, conducting legal research, and coordinating with external advisors. Drafting, reviewing, red-lining, negotiating, and finalizing documents (Contracts, Letters, Proposals, RFPs etc.) from a legal perspective, ensuring minimal/no risk to the organization Handling legal agreement for engagement of various vendors (tech/nontech), Handle commercials agreements, partnership agreements, marketing agreements, technology agreements etc., Review of new and existing agreements to align them with the internal policies and standards. Draft, vet and review the legal documents in relation to the lending and other financial products. Advice the Business teams regularly on any legal query and advise on development and launch of new lending and other financial products from a legal perspective. Streamline the deviation taking processes by following the risk matrix in relation to the legal documentation,Support, assist and advise internal stakeholders/teams on any legal aspect/query,Designing and approving the policies, processes. Supporting in all litigations & filing of complaints with police/ court & liaisoning with enforcement agencies, investigation agencies, etc. Managing the MIS maintained by the Legal team, perform internal retrospect examination for legal & highlight issues along with resolutions. Experience in Indian laws and regulations concerning banking, NBFCs, financial services, fintech businesses, Co-Lending, Lending Platforms, intellectual property and technology. Ability to work in a highly dynamic environment and collaborate with various internal and external stakeholders and external counsels. End to end legal management of assigned business transactions. Ability to think through original new products, expansion into new market verticals and areas relating to innovative fintech and financial solutions. Experience in developing and implementing processes for efficient and streamlined operations surrounding contract negotiations and processes. Provide time-sensitive support on a wide array of legal issues with the ability to conduct research and form views across different legislations and regulations governing the business Strong drafting and communication (both written and oral) skills in English.

About Company Balancehero India Pvt. Ltd. (BHI), the wholly-owned subsidiary of Balancehero Co. Ltd., Korea which runs and operates the mobile app “True Balance”- a one-stop destination for financial services.” Founded by Charlie Lee in Korea in 2014, Balancehero started its operations in India in the year 2016. It started off as a balance check application and the company has expanded its business model to financial services. The company aims to build a financial platform for the next billion which set the context for loans, utility services, pay later services, and commerce services. The Company's wholly-owned subsidiary True Credits Private Limited, is a licensed NBFC that aims to bridge the financial gap in India by making Finance available for all. True Credits lends through the True Balance mobile application. About True Balance Owned and operated by BalanceHero Group, True Balance is an RBI authorized Prepaid Payment Instrument (PPI) issuing entity. It offers loans through its subsidiary and RBI licensed Non-Banking Financial Company - True Credits Private Limited and other RBI licensed partners. Founded in 2016, as a mobile app for users in India to efficiently manage their phone calls and data usage, True Balance is now India’s one of the top financial services platforms providing solutions to all the financial needs of its users - from obtaining instant loans, paying utility bills to do prepaid recharges seamlessly. To date, True Balance has raised more than US$84 million in equity funding from marquee global investors like Softbank, Naver, and Line to name a few. The company aims to become the go-to financial services platform for the next billion people in India, playing a key role in the nationwide push towards the goal of Digital India and advancing financial inclusion amongst the unbanked and underbanked people. We’re looking for a Product Manager to lead the Repayments charter across our lending app. This person will own the end-to-end repayment experience — from EMI schedules and reminders to real-time loan closure, prepayment flows, and repayment success journeys. You’ll obsess over reducing friction, improving repayment conversion, and ensuring a seamless borrower experience at every step. Key Responsibilities: Repayment Experience Ownership Own and evolve the in-app repayment journey — dashboard visibility, EMI reminders, upcoming dues, NACH retry flows, and instant payment modes (UPI, NetBanking, etc.). Build frictionless loan closure journeys — including full repayment, pre-closure, and partial payments. Introduce features for repayment confirmation , real-time payment status tracking, and improved transparency. Data-Driven Optimization Deep-dive into repayment funnel drop-offs and build data-backed experiments to improve success rates. Work closely with analytics, finance, risk and collection teams to identify high-risk patterns and repayment behaviour clusters. Tech & Infra Collaboration Partner with engineering to integrate and optimize payment gateway flows (UPI, NACH, Card). Ensure seamless LMS syncs, real-time status updates, and low-latency repayment confirmation. Lifecycle & Communication Collaborate with growth and collections teams to define repayment nudges, reminders, and dunning flows . Define communication logic and coordinate across in-app messaging, WhatsApp, SMS, and email for timely user interventions. Cross-Team Coordination Align with compliance and finance teams on RBI guidelines around foreclosure, part payments, and disclosures. Interface with support to ensure edge-case resolution (e.g., failed payment, double debit, closure not reflecting). Key Qualifications & Skills: 2-4+ years of product management experience , with experience i n Digital Lending/ Fintech companies Good understanding of Payment flows - One time and recurring payments Strong analytical mindset – ability to use data, user insights, and experimentation to drive decisions. Strong analytical mindset with expertise in SQL, Excel, or analytics tools Excellent communication and stakeholder management skills to align teams and drive execution. Technical understanding of API integrations, payments, and logistics workflows is a plus. Why Join Us? Be part of a rapidly growing fintech team revolutionizing digital payments. Work on cutting-edge repayments use cases that impact millions of users. Collaborate with top minds in payments, banking, and regulatory tech. Career growth opportunities. If you're passionate about building world-class UPI payments and want to shape the future of fintech, we’d love to hear from you!