GAIN Credit - Product Manager - OYE Fintech

About OYE Fintech :

Empowering lives is about enabling credit so our customers can build a better financial future. OYE comprises of a world-class team with a track record of building successful alternative lending and credit scoring businesses in India, the US and the UK.

Incubated by GAIN Credit, our DNA and experience run deep on efficiently and profitably serving under-served customer segments where managing risk/fraud with limitation to data is crucial. OYE takes pride in its proprietary risk models, frameworks, and governance structures built over decades to ensure we minimize risk and eliminate fraud in the markets we serve. Furthermore, being a digital-first company, we understand the need to continually innovate our tech stack to deliver digital experiences that place a premium on timely, low-cost and friction less access to credit.

Finally, to profitably serve India's demand for small-ticket personal loans, OYE recognizes the need to be best-in-class across all aspects of a digital lending operation from customer acquisition to fraud detection/risk control to loan servicing and finally collections. As such, we have built in-house or partnered with some of the most advanced technologies available in the market to enable rapid automation and scale.

OYE is committed to this mission by providing affordable credit to significantly under-served segments of India's burgeoning formal and informal workforce, e.g., young professionals, blue/white collar workers, laborer and self-employed individuals.

All this, to ensure our customers receive the best credit products at the most optimal cost.

Job Responsibilities :

- Research new products, technological trends to figure out how to incorporate them.

- Lead the development of project schedules, UAT and appropriate systems documentation

- Facilitate team input into various stages of product development and design

- Coordinating with cross-functional teams like Operations, Credit, Technology and Sales, to create and continuously enable changes in workflows with dynamic changes in policies etc.

- Undertaking projects to identify gaps in processes and initiate corrective action wherever required, including improvement in end-to-end login-to-disbursement turnaround time

- Strategically responsible for customer experience - Innovation, Conceptualize and Implement Digitization of customer service framework, Product development and management, New CRM implementation and integration, Automation of customer service processes, and redesigning of core system to support mobility

- Create prototypes and design flow; present the mock designs to the team/ management and seek approval to take live

- Leveraging on technology for customized business needs

Skills and Experience :

- B.E /B.Tech/MBA from reputed universities

- 5+ years of work experience.

- Create business models and analyze competitive landscape

- Experience in a highly analytical, results-oriented environment with external customer interaction.

- Track record of managing metrics and improving performance with clients

- Proven ability to define effective, efficient, and scalable processes and drive continuous improvement through root cause identification and defect elimination

- Excellent verbal and written communication abilities: effectively communicates with technical and non-technical teams, executive management, partners and customers

- Experience in consumer lending or financial services in India will be additional advantage