Product Manager

Karat Capital Advisors Pvt Ltd is a SEBI Registered Investment Advisory firm having registration number INA200015219

time.money is a wealth tech platform under Karat Capital Advisors Pvt Ltd helping investors win financially through disciplined, long-term wealth building.

Our approach combines behavioural insights with technology—think AI-powered conversations, goal-based planning, and a unified wealth dashboard. We are bootstrapped, growing, and building for a large market with high visibility.

You will be our first Product Manager, owning the entire platform end-to-end. Work directly with the Founders and our team of 8-10, shaping the product that will help millions understand their investing behaviour, track their net worth, and reach their financial goals. This is a high-ownership role where your decisions will directly impact what we build and how users experience it.

Own the product end-to-end

Define what success looks like

Turn ideas into specs engineers can build from

Work shoulder-to-shoulder with engineering

Shape the user experience with design

Understand investor behaviour deeply

Talk to users regularly

Own activation and retention, not just features

Work with compliance and security

Know the market

Drive launches end-to-end

Build the internship program

4-7 years in product management

Built consumer-facing investment products for Indian users

Web app experience

Comfortable with data, not necessarily SQL

Clear written communication

Genuinely self-directed

Security and privacy awareness

Aware of financial regulations

•       Experience building products from scratch (0→1), not just optimising existing ones

•       Worked with Indian investors specifically—understands their behaviour, trust barriers, and financial literacy levels

•       Interest in behavioural finance—why people make irrational money decisions, how biases affect investing, what builds long-term financial discipline

•       Experience with vernacular or multilingual product experience

•       Background in cybersecurity, data protection, or privacy-first product design

•       User activation and first investment completion rates

•       Retention and engagement metrics

•       User satisfaction (NPS, in-product feedback, support ticket trends)

•       Feature adoption and usage patterns

•       Product velocity without compromising quality

•       Competitive salary

•       Health, accident, and life insurance

•       Access to paid AI tools

•       Flexible startup culture with real opportunities to learn and grow quickly

•       High-impact work on a product built for millions

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