CashFlo - Product Manager

Introduction :

The MSME Credit gap is one of the largest problems facing our economy today. While MSMEs are pegged to be the growth engines for the country going forward, $300 Billion+ of unmet demand exists in the market. Formal financing options are limited, expensive and time-consuming. Digital lending in India is expected to grow a $100 Billion market by 2023, nearly as large as the global microfinance industry today.

We are creating our version of a neo-bank for India's SME businesses where it can avail financial products on tap, with a long-term strategy of building India's most valuable supply chain ecosystem leveraging our data infrastructure and financier network. Globally, companies in this space have witnessed tremendous success over the past decade doing $ Billion+ disbursements weekly through invoice discounting alone.

You will join our core team that currently consists of ex-BCG / ISB / IIM alumni with a team of industry veterans serving on the advisory board. We are backed by SAIF Partners and current/ ex-Senior Partners at BCG, McKinsey & Bain & Co. We share our lineage with HCS, a 25-year-old investment bank, and a registered NBFC. We are a team of passionate problem-solvers and we- re building a technology company with a strong product innovation mindset. Less than a year into operations, we- re already one of the fastest-growing invoice discounting marketplaces, with 50% month-on-month and a target of Rs. 5,000 Crores of disbursement over the next 2 years.

The opportunity :

- Solve a complex $300+ billion problem at the cutting edge of Fintech innovation, and play a critical role in building the winning Neo-bank for the businesses in India

- Break new ground and build first-to-market solutions.

- Be part of the early organization, and work alongside a team of passionate problem-solvers on bold, game-changing ideas

TheRole :

- You'll be working closely with the Founder/CEO and the rest of the Cashflo team to identify large problems and build new to market solutions.

- Identify Problems & Priorities:

- Engage with customers / end-users to identify critical pain points and latent needs o Continually build hypotheses and test them to determine the roadmap

Communicate

- Evangelize and communicate the product plan, generate buy-in

- Apply low fidelity design to present the vision for solutions to problems

Collaborate

- Collaborate with engineers and designers to arrive at the detailed solutions to problems

- Collaborate with Sales and Customer Success to understand and eliminate obstacles to adoption and usage

- Work with Marketing to bring new features to life on the various communication touchpoint

Execute

- Own delivery of roadmap for one or more parts of the product

- Define milestones and coordinate with various internal and external stakeholders to launch the product as per defined timelines

- Pre-empt potential delays, and de-bottleneck issues quickly in order to avoid slippage o Run tight project management to meet launch timelines

- Define, gather and analyze usage data and KPIs to refine product design

Team and product practices

- Build/support in building a world-class product team that reflects the Cashflo culture

- Ensure team health, career development, and coaching and mentoring tailored to individual goals

- Ensure product practices are followed, apply good judgment when needed to violate them o Help Cashflo evolve product practices for increasing scale, efficiency, and customer value

What we- re looking for:

- Someone who is looking to build a company ground up and is passionate about re-imagining banking and financial services in India

- A First-principles thinker- : Has the ability to get to the root of problems and come up with logical, practical and effective solutions

- Strategic thinker- : Able to assess the market landscape, quickly grasp value chains and profit pools and distill insights to identify potential product plays

- A - Figure things out- kind of person- : If you are looking for a well-defined, structured role with fixed responsibilities we are probably not the right fit. We will expect you to come figure stuff out with us!

- An eternal optimist with a big imagination- : Finally, we want someone who can imagine what the future would look like, and then push the boundaries of what's possible to get there, not someone who finds a 100 ways of why it cannot be done or solves for incremental challenges

- An Infinite Learner- : If you are not hungry to learn, we won't be a good fit. We want to be able to learn from you as well, so we'll love it if you come with some deep knowledge or domain expertise from a previous job

- An eye for detail- : Great products are all about the details

Role requirement:

- Excellent communication (written and verbal) and interpersonal skills

- 3-6 years of experience in product management; preferably building products from scratch at startups

- Prior payments/fintech experience a strong plus

- You should have worked at a startup or started your own company that shipped a product and generated meaningful revenue

- An engineering / technical background that will allow you to reason product trade-offs and make good choices without significant input from engineers is a plus

- You should have a track record of shipping high-quality products and features and owning the process end-to-end