Head - Product Management - Digital Lending - FinTech

Position: Head of Product Management (Lending SaaS)

We are looking for a strategic and execution-driven Head of Product Management to lead the development and growth of our Lending SaaS platform. This role requires deep expertise in digital lending, AI/ML-based credit assessment, regulatory compliance, and product-led growth strategies. The ideal candidate will drive product innovation, roadmap execution, and customer adoption while working closely with cross-functional teams.

Key Responsibilities:

Product Strategy & Leadership:

- Define and execute the product vision, roadmap, and go-to-market strategy for our Lending SaaS offerings.

- Drive innovation in AI-driven underwriting, loan origination, credit assessment, BNPL, embedded lending, and risk analytics.

- Ensure products comply with RBI guidelines, credit risk norms, and global lending regulations.

- Collaborate with C-suite, sales, engineering, data science, and compliance teams to align product goals with business objectives.

Customer-Centric Product Development:

- Engage with banks, NBFCs, digital lenders, and fintech partners to understand market needs and pain points.

- Build a best-in-class Loan Management System (LMS), Credit Decisioning Engine, and Digital Lending Platform.

- Leverage AI, machine learning, and alternative credit scoring to enhance lending efficiency and risk assessment.

- Prioritize scalability, security, and API-first architecture to support financial ecosystem integrations.

Execution & Go-To-Market (GTM) Strategy:

- Define product pricing, packaging, and positioning to maximize adoption and revenue growth.

- Drive product adoption through UX/UI improvements, self-serve onboarding, and data-driven decision-making.

- Partner with marketing and sales teams to craft compelling narratives, case studies, and thought leadership content.

Data & AI-Driven Decision Making:

- Implement AI-powered insights, automated credit scoring, fraud detection, and predictive analytics.

- Optimize loan origination workflows, credit risk assessment models, and collections automation.

- Monitor KPIs like conversion rates, NPL reduction, and time-to-loan approval to drive continuous improvement.

Team Building & Mentorship:

- Build and lead a high-performing product team consisting of PMs, UX designers, and data analysts.

- Foster a culture of agility, experimentation, and cross-functional collaboration.

Qualifications & Skills:

- 15+ years of experience in product management, preferably in fintech, lending SaaS, or financial services.

- Strong domain expertise in digital lending, loan origination, underwriting models, and credit risk.

- Experience in AI/ML-driven credit assessment, embedded finance, and open banking APIs.

- Deep understanding of regulations, KYC/AML, credit bureau integrations, and lending compliance.

- Proven track record of building scalable SaaS platforms with B2B enterprise adoption.

- Exceptional analytical, problem-solving, and stakeholder management skills.

- Experience working with engineering, data science, and GTM teams in an agile environment.

- Bachelors or Masters degree in Engineering, Business, Finance, or a related field.

Preferred Experience:

Experience working with neo-banks, NBFCs, or large financial institutions.

Exposure to AI-powered risk modeling and alternative credit scoring.

Familiarity with loan servicing, collections automation, and BNPL products.