Posted:1 day ago|
Platform:
Work from Office
Full Time
B.Tech/B.E ,and MBA/PGDM
Key Responsibilities:
Core Lending Stack
o Build and scale all borrower and partner journeys: onboarding, application, KYC, offer, disbursal, servicing, repayment, and delinquency.
o Develop the architecture for LOS, LMS, rule engines, and internal operational tools.
o Integrate with partners: bureaus, NBFCs/Banks, GST, AAs, PAN, CKYC, DigiLocker, BBPS, and more. Free Credit Score Product (Immediate Priority)
o Launch and scale a free credit score module for users.
o Integrate with bureaus (e.g., CRIF, Experian, CIBIL) to fetch and display score and report.
o Design user education flows on credit health, repayment behavior, and improvement tips.
o Build funnels for upsell into lending and financial wellness products.
Insurance & Wealth (Future-Ready Platform Build)
o Design product framework for embedded insurance (e.g., term, health, credit-life) with contextual offerings during lending flows.
o Architect simplified journeys for seller-focused micro-investments, recurring deposits, or mutual funds.
o Partner with insurance and wealth product providers to build APIs and co-branded journeys.
o Ensure regulatory compliance (IRDAI, SEBI) and customer suitability logic is embedded.
Decisioning, Risk & Lifecycle Infrastructure
o Manage rules engine, scorecard integration, real-time checks, fraud layers, and partner fallback logic.
o Own architecture for lifecycle actions: reminders, upsell triggers, payment follow-ups, collections flows.
Internal Systems & Ops Tooling
o Build intuitive CRMs, dashboards, and case management tools for support, credit ops,
and collections teams.
o Define monitoring and alerting layers for partner SLAs, exception handling, reconciliation, and financial reporting.
Data, Reporting & Governance
o Define data schema and tables in collaboration with engineering and analytics teams.
o Enable regulatory, business, and risk reporting: credit bureau pulls, performance
metrics, RBI-ready compliance logs.
Cross-Functional Execution
o Collaborate with Engineering, Analytics, Legal, Compliance, Marketing, and Business teams to ship features.
o Drive alignment across priorities, write specs, manage releases, and own platform performance KPIs.
Lending Partner Management , PnL , MSME Loans , Market Segmentation , Product Management , Business Loans
Skill Set
5-10 years of experience in lending product role in fintechs, NBFCs and Banks
Demonstrated success in building lending tech stacks and financial services products.
Strong understanding of APIs, backend architecture, decision systems, and regulatory
environments.
Comfortable scaling from MVP to full-stack product across multiple verticals.
Exceptional documentation, execution, and leadership skills.
IndiaMART
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