Senior Technical Product Manager- Micro Lending

Job description

Senior Technical Product Manager — Micro Lending Platform

Email ID: rahulk.kanojia@white-force.in

Contact : 9300955707

Industry: NBFC / Digital Lending

Employment Type: Full Time

Experience: 10 years (NBFC / Fintech preferred) as Technical Product Manager — Micro Lending Platform

Qualification: Engineering background with MBA or equivalent business context

Budget: Upto 45 LPA

Location: Bangalore, India (Hybrid)

Role Summary

This is a high-ownership, high-ambiguity role at the intersection of product, engineering, and lending operations. You will define roadmap, own architecture decisions, and drive delivery across the full lending lifecycle — from thin-file credit scoring and origination to UPI/NACH-based collections. You'll work directly with engineering, risk, compliance, and business leadership, and represent the customer in every discussion.

Key Responsibilities:

Product Vision & Roadmap

Define and own the product strategy for the micro-lending platform. Translate business goals into a prioritised roadmap. Identify new opportunities — BNPL, MSME credit, co-lending — and drive build vs. buy vs. partner decisions.

Platform Architecture Ownership

Lead system design for a serverless Azure architecture (Container Apps, Functions, API Management). Own microservices decomposition, async event flows, data models, and API contracts. Enforce engineering standards across the platform.

Lending Domain Depth

Drive product execution across the full lending lifecycle: origination, bureau/AA-based underwriting,

disbursement via UPI/IMPS, repayment via NACH/UPI Autopay, and delinquency management. Own the logic, edge cases, and compliance implications of each.

Regulatory & Compliance

Ensure the platform adheres to RBI's Digital Lending Guidelines, Fair Practices Code, and data localization requirements. Own KYC/AML/CKYC integration, KFS generation, and audit trail design. Stay ahead of regulatory shifts.

Data, ML & Risk Signals

Work with data science to integrate alternative credit signals — Account Aggregator cashflow analysis,

bureau data, GST/ITR signals, and behavioural data. Champion explainability and fairness in credit models. Prioritise fraud detection pipelines.

Cross-Functional Execution

Serve as the connective tissue between engineering, risk, ops, and business. Run structured discovery, write sharp PRDs, and ensure sprint-level delivery aligns with architectural integrity. Remove blockers proactively; flag trade-offs early.

Customer & Market Insight

Own deep borrower empathy. Conduct research with tier-2/3 city customers, self-employed borrowers, and retail partners. Use product analytics, funnel data, and cohort analysis to drive continuous improvement.

Technical

– Python — backend systems, APIs, data processing

– PostgreSQL — schema design, query optimisation, scaling

– Azure: Container Apps, Functions, API Management, Event Grid

– Serverless and event-driven architecture patterns

– REST API design; async / message-based systems

– DevSecOps basics; CI/CD pipeline hygiene

Lending & Fintech Domain

– 5+ years in consumer or MSME digital lending

– Hands-on with LOS, LMS, or credit deaccessioning systems

– Deep understanding of NACH, UPI Autopay, eMandate flows

– Account Aggregator (AA) framework — FIP/FIU integration

– RBI Digital Lending Guidelines, Fair Practices Code, KYC/AML

– Bureau integrations: CIBIL, Experian, CRIF, CKYC

Product & Leadership

– Proven end-to-end product ownership from 0®1 and beyond

– Sharp PRD writing and ruthless prioritisation instincts

– Strong data literacy — SQL, funnels, cohort analysis

– Ability to mentor PMs and engineers on product thinking

– Comfortable in ambiguity; thrives in high-growth environments

Preferred / Nice-to-Have

– Exposure to ML models in credit scoring or fraud detection

– Familiarity with co-lending / FLDG regulatory structures

– GSTN, ITR, or AA-based income verification experience

– Engineering background with MBA or equivalent business context

– NBFC / bank partnership experience

Interested candidates can apply along with their resume on the below mentioned email ID or whatsapp number

Email ID: rahulk.kanojia@white-force.in

Contact: 9300955707