Credit Product Lead

About Roarbank

Roarbank is a digital banking platform launched by Unity SFB in cooperation with Fintech Farm, a global neobanking technology provider, in early 2025. Our mission is to become a leading consumer digital bank in India by delivering an outstanding user experience and robust banking solutions.

About Fintech Farm

We are a UK fintech creating successful neobanks in emerging markets in partnerships with local traditional banks. The mission is to make banking services accessible, simple and fun to use worldwide and the goal is to launch neobanks in 50+ markets, serving 100m+ customers.

Since our foundation in 2020, we’ve so far launched neobanks in Azerbaijan (2021), Vietnam (2023), Kyrgyzstan (2024) and India (2025), with 2m+ customers collectively and have more markets on the near horizon!

What You Will Be Doing

As Business Lead for Credit Products in India, you will own the full lifecycle of our credit products — from concept to scale — ensuring product-market fit, regulatory compliance, and profitability.

Your key responsibilities will include:

• Develop and scale a portfolio of credit products for the Indian market (credit cards, EMI, BNPL, cash loans, secured credit cards etc).
• Drive product performance: achieve portfolio growth, risk, and profitability targets (AR, PAR, NPL, conversion, utilisation).
• Market fit: analyse competitive landscape (banks, NBFCs, fintechs, co-branded programs) and tailor our product positioning.
• Collaborate cross-functionally with risk, operations, analytics, marketing, and engineering teams to design and deliver best-in-class experiences.
• Shape product strategy and roadmap: define priorities, manage sprints with tech teams, and coordinate local regulatory & compliance alignment (RBI, PCI-DSS, KYC/AML, etc.).
• Define pricing and P&L models — interest rates, EMI fees, GSTs, delinquency impact, promotions, etc.
• Monitor KPIs and continuously improve conversion, activation, and repayment behavior metrics.
• Own documentation: product BRDs, user flows, financial models, and business presentations.
• Act as the voice of the Indian customer, ensuring that local user experience, culture, and financial behaviour are reflected in product design.

Who you are

• 5+ years of experience in credit product management in banking, fintech, or NBFCs, with a focus on consumer lending.
• Proven track record launching or managing credit card, EMI, BNPL, cash loan, or secured card products in India.
• Solid understanding of:
• Indian credit card market ecosystem (issuers, networks, co-brands, acquirers, processors, RBI norms);
• EMI logic: conversion, repayment, foreclosure, GST handling, and RBI EMI circulars.
• Credit risk metrics (vintage analysis, NPL, write-off flow, recovery process);
• Customer journey in digital lending (onboarding, activation, repayment, delinquency).
• Experience with product documentation (BRD, business cases, P&L, dashboards).
• Understanding of Scrum/agile delivery and cross-functional teamwork.
• Strong communication and stakeholder management skills.
• Analytical mindset with the ability to translate data into actionable insights.
• A self-starter who thrives in a fast-paced startup environment and can own local execution.

Bonus points:

• Experience working with processing partners (M2P, Zeta, Pismo, Fiserv, Tieto EVRY).
• Exposure to co-branded credit cards or NBFC partnerships.
• Understanding of the Indian credit bureau ecosystem (CIBIL, Experian, CRIF, etc.).
• Prior experience with BNPL or EMI logic in fintech or mobile banking app context.

What we are offering

• Competitive compensation package
• Opportunity to build a category-defining credit product in India
• Dynamic, international, and product-first culture
• Flexibility to work remotely within India