Senior Product Manager - Credit Cards

About CheQ

At CheQ, we're turning the chaos of credit into a journey that's clear, rewarding, and even a little fun. With ?50,000 Cr+ in lifetime payments, a growing tribe of users (30%+ using more than two products), and $16M raised from marquee investors, we're fast becoming India's favorite way to go from credit-stressed to credit-smart.

Founded by ex-Flipkart leader Aditya Soni and backed by 3one4 Capital, Venture Highway, Ram Shriram, Lloyd Mathias and more, CheQ isn't just another fintech, it's a full-stack credit experience.

Here's what makes us different:

• Credit, simplified ? Track, pay, and optimise every credit card, loan, and bill in one smooth dashboard.
• AI that actually helps ? Meet Wisor, India's first AI-powered credit advisor giving real financial intelligence, not just data.
• More than payments ? Rewards, instant loans, and an embedded wallet all stitched into one seamless journey.

We're here to make managing money feel less like a chore and more like a win.

Product Team @CheQ

At CheQ, we approach product building with the same philosophy that drives everything we do, creating simple, elegant solutions that delight customers while solving complex problems.

We're hiring a Product Manager Credit Cards to lead one of our most ambitious charters. You'll own the end-to-end strategy and execution, from portfolio P&L and co-brand partnerships to rewards, premium benefits, and seamless app integration. Working with banks, networks, and lifestyle partners, you'll shape India's most aspirational credit card product.

What you'll be doing

Strategy & Leadership:

• Define and drive the long-term strategy & positioning of the CheQ Credit Card.
• Identify white spaces in the Indian card market and create differentiated offerings (rewards tiers, premium features, card design innovations).
• Own portfolio P&L optimize unit economics, interchange, rewards burn, and customer profitability.
• Influence leadership decisions with data-backed insights on the credit-card ecosystem, competitive landscape, and consumer trends.

Product Ownership

• Design end-to-end product roadmap: from co-brand partnerships to digital-first user experience.
• Own critical card features: rewards engine, lifestyle benefits (lounges, travel, insurance, concierge), and cost levers.
• Integrate the card seamlessly into the CheQ app experience (onboarding, spend insights, rewards redemption, servicing).

Partnerships & External Relations

• Act as the primary product interface with issuing banks, NBFCs, and networks
• Drive partnerships with airlines, hotels, retail, and lifestyle brands for exclusive benefits.
• Ensure full compliance with RBI guidelines, KYC norms, and security standards.

Execution & Scaling

• Lead cross-functional teams (design, tech, ops, marketing) to deliver high-quality card experiences.
• Drive go-to-market strategy for card launch and expansion
• Establish KPIs: acquisition, activation, average spend per user, retention, NPS.
• Continuously iterate using user research, cohort analytics, and portfolio monitoring.

Leadership & Mentorship

• Mentor junior PMs and analysts on the credit-card domain.
• Shape best practices for product management within the CheQ team.
• Be a visible thought leader internally on fintech, credit, and rewards ecosystems.

What you'll need

• 610 years in product management, with at least 3+ years in credit cards, consumer lending, or fintech/payments.
• Proven experience in launching and scaling a financial product (preferably a card or payments product).

Expertise:

• Deep understanding of credit-card economics, portfolio P&L, rewards ecosystems, and regulatory frameworks.
• Strong grasp of the competitive landscape

Skills:

• Exceptional stakeholder management across banks, networks, regulators, and brand partners.
• Strong analytical mindset with data-to-decision orientation.
• Excellent communication & leadership skills; ability to influence at CXO/partner level.

Mindset:

• Entrepreneurial, customer-obsessed, and excited to create India's most aspirational card product.

Why should you join CheQ

You own it, we trust you

Shape your work with freedom, deliver with ownership, backed by trust.

Bold, fast & human

We push boundaries together, and deliver with agility, rigor, and heart. Always looking out for one another.

Growth by osmosis

Learn directly from a stellar leadership team with rich, diverse backgrounds.

And that's just the start:

• Pay that matches the best in the industry.
• The thrill of solving real India-first problems at scale.
• Exposure to cutting-edge tech and innovation.

What you will not get

• Monotony ? Work is dynamic, expect variety every day.
• Slow climbs ? Growth here is about leaps, not ladders.
• Layers of red tape ? We believe in speed, not bureaucracy.