Product Manager

About BharatNXT

Small businesses often face operational cash flow challenges. BharatNXT bridges these gaps with on-demand financing options, streamlining payments (vendors, rent, taxes, utilities, etc.) and offering credit management tools to empower these businesses to seize opportunities and grow. Since inception, we have unlocked over $1+ Bn in credit across 1.7+ Mn small businesses. BharatNXT is part of the Google for AI startups (Link) cohort and also featured in leading publications like Forbes (Link). 

Are you ready to shape the future of fintech in India? We're seeking a dynamic individual to be part of the Product function.. As a Product Manager at BharatNXT, you'll be given a very open-minded and collaborative environment to really drive industry-leading innovation and deliver exceptional solutions.

Key Responsibilities:

Digital Lending (Web+App):

• Own the development and enhancement of the web and mobile lending journey end-to-end to achieve business objectives and to serve the customer’s needs.
• Define, contribute, and execute the product strategy aligned with the company's overall business objectives.
• Identify market opportunities and track emerging trends in credit products, with a focus on business loans, personal loans, and credit underwriting.
• Leverage a deep understanding of credit underwriting processes, credit rule engines, bureau integrations, and regulatory guidelines to build scalable and compliant products.
• Conduct thorough market research and competitive analysis to inform product decisions.

Product Development:

• Define product requirements and create detailed product specifications with PRD/BRD and wireframes.
• Collaborate closely with cross-functional teams (Engineers, Data, Business, Risk & Marketing) to deliver high-quality products.
• Prioritize features and functionalities based on business impact and customer needs.
• Oversee the entire product development lifecycle, from ideation to launch and growth support.
• Contribute to the overall product features and roadmap, both internal and external.

Data and Analysis:

• Data first mindset. Strong knowledge of analytical tools like Clarity, Power BI, and MoEngage to analyse the funnel to make informed decisions.
• Understand numbers, have an analytical and data-driven approach in day-to-day work that shall translate into every action that you propose & execute as part of the product launch & enhancement.
• Define and monitor key performance metrics to evaluate the success of lending products.
• Work on integrating alternative data sources and developing advanced AI models for credit risk assessment.

User Experience:

• High on user empathy, so you can be the voice of the customer and solve real problems through your products.
• Conduct user research and usability testing to gather feedback and optimize the user experience.
• Collaborate with UX designers to create visually appealing and engaging user interfaces.

Stakeholder Management:

• Work with the business and marketing team to develop a comprehensive go-to-market strategy.
• Collaborate with marketing and sales teams to educate the market and generate demand for the product.
• Build, iterate, and improve the product as required to achieve the business objective. 
• Develop a Credit Rule Engine/BRE to enable and fast-track lending capabilities. 

Required Skills and Experience:

• Minimum 3-5 years of relevant experience in digital lending at Fintech or a tech-first NBFC, preferably a startup.
• Strong understanding of digital lending flows, funnels, credit underwriting, bureau data usage, and regulatory compliance.
• Deep knowledge of AI, ML, and data science techniques, particularly as applied to credit risk modeling.
• Excellent communication, analytical, and problem-solving skills.
• High agency, collaborative, and go-getter attitude.
• Good with tools like Jira, Microsoft Clarity, Power BI, MoEngage, Mixpanel, and Postman. 

Additional Considerations:

• Domain Expertise: A strong understanding of credit products, particularly unsecured lending, BNPL, or credit lines, is highly desirable.
• Technical Proficiency: Experience with Excel, SQL, and AI Applications (Cursor, Lovable & Cluade).
• Business Acumen: A strong understanding of various business models will be key.
• Strong drive and passion: You absolutely need this to thrive in a fast-paced startup environment.

Qualifications:

• More than educational qualifications, we value experience and passion 
• (MUST) PM 3-5 years of relevant work experience in Product Management (Anyone with no Product Management experience will be automatically filtered out, pls do NOT apply) 
• Prior Fintech experience - Highly preferred 
• Prior startup experience/BFSI/Financial Services experience is also valuable

We are a small team of highly motivated people and want people who have a strong sense of ownership and passion for what they do. If you are expecting a 9-5 types, very well defined structured role - this is not the place for you. But if you are looking for a steep learning curve building innovation in the payment space and are ready to roll up your sleeves to get work done, we would love to hear from you!