Capaegis - Product Manager - Digital Home Loans - Fincity

Salary offered: 5 - 20 LPA

Product Manager - Digital Home Loans (4-15 years)

About Us:

Fincity.in is building India's first digital housing finance platform for both consumers and businesses with the vision of becoming the Operating System (OS) for Mortgages / housing finance in India and eventually globally.

We are a SaaS based Product Company as opposed to services and our current product suite includes: (i) Fincity Home Loans, (ii) Fincity Loan Against Property (for consumers and Small & Medium Enterprises (MSE- s) and (iii) Real Estate Developer loans (project financing). Another product that we will launch shortly is Unsecured Business Loan (BL).

Our business model entails direct B2C approach wherein a customer can come to www.fincity.in to apply for Home Loan and get e-sanction within 5 min by getting direct access to over 50 banking partners which results in transparency in pricing, choices and provides the control of otherwise opaque banking practices. Our B2B strategy is to license our software products to banks and lenders on pay per use basis. Towards this, we have identified over 20 different software modules / products that are getting licensed to banks and financial institutions globally.

Job description:

Act as - in-house- Home Loan product expert with deep knowledge and insights into current customer sourcing, appraisal and approval processes

Informal Sector - Design and develop appraisal processes for Employed and Self-Employed customers in the Informal/unorganized sectors. Work with cross-functional teams like Operations, Credit, Technology and Sales to introduce technology into application form, appraisal and assessment processes.

Affordable Housing - Drive product innovation and policy framework.

And initiate corrective action wherever required, including improvement in end-to-end login-to-disbursement turnaround time

- Undertaking projects to identify gaps in current processes and monitoring & improve lead-to-login, login-to-approval & approval-to-disbursement ratios of the cities

- Strategically responsible for customer experience - Innovation, Conceptualize and Implement Digitization of customer service framework, Product development and management, New CRM implementation and integration

- Taking complete ownership of user experience across all our products

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

- Enhanced the data collection process with some validations to reduce the overall TAT

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

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