Description:

Snapmint is a leading fintech redefining access to consumer credit in India.

With over 10 million customers across 2,200+ cities, our zero-cost EMI platform enables responsible purchases without the need for a credit card across categories like fashion, electronics, and lifestyle.

India has over 300 million credit-eligible consumers, yet fewer than 35 million actively use credit cards.

Snapmint addresses this gap by offering a trusted, transparent alternative grounded in financial inclusion and ethical lending practices.

Founded in 2017, Snapmint is a profitable, high-growth company doubling year-on-year.

Our founding team, alumni of IIT Bombay and ISB, brings deep experience from companies like Oyo, Swiggy, Maruti Suzuki, and has successfully built and exited ventures in ad-tech, patent analytics, and bank-tech.

We are building the future of responsible consumer finance, simple, transparent, and customer-first.

Role Overview:

We are seeking a Senior Product Manager (TPM) to lead technology-driven initiatives across Finance within our Lending Platform, which spans the Collections platform, Loan Management System (LMS), Billing System, Co-lending system, Credit on UPI transaction management system and Accounting platform.

This role focuses on 100% automation of financial system integrity, reconciliation accuracy, accounting automation, merchant settlement, and post-disbursement process control.

Key Responsibilities:

Program Leadership & Delivery:

- Lead large-scale Finance programs spanning merchant settlements, refunds, disbursements (personal loans, EMIs), collections, bank reconciliation, and reporting automation.

- Define clear milestones for Financial transformation initiatives across LOSLMSERP systems.

- Drive end-to-end lifecycle: initiation planning execution rollout stabilization.

- Set up structured governance, covering dependency management, risk tracking, and change control.

Cross-Functional Execution:

- Collaborate with Engineering, Product, Finance, Risk, and Accounting teams to streamline transaction and accounting flows.

- Ensure accurate reflection of financial events (disbursement, cancellation, refunds, settlements, reversals) in LMS and downstream accounting systems.

Technical & Financial System Alignment:

- Partner with architects and finance system owners to design accounting rules engines that handle complex loan events such as Full & Partial Cancellations, Refunds, Chargebacks, and Reversals Adjustments and writeoffs.

- Ensure consistent debit/credit accounting entries across LOS, LMS, and ERP.

- Ensure compliance with RBI Digital Lending Guidelines, data privacy, and audit requirement.

Metrics, Reporting & Governance:

- Define and track FinOps KPIs: reconciliation accuracy, accounting entry success rate, cancellation turnaround time, and automation coverage.

- Maintain a centralized FinOps program dashboard for leadership visibility.

- Lead post-implementation reviews, RCA, and continuous improvement exercises to minimize financial mismatches.

- Institutionalize accounting control checks for every critical transaction stage disbursement, repayment, cancellation, and settlement.

People & Process Excellence:

- Mentor FinOps and Tech PMs on process discipline, automation, and data accuracy.

- Promote Agile delivery practices across FinanceTech workstreams.

- Build repeatable frameworks for cancellation workflows, accounting entry validation, and reconciliation automation.

- Foster a culture of ownership, transparency, and continuous improvement.

Required Skills & Experience:

- 7+ years of experience with 3+ years managing technical FinOps OR digital lending OR credit products OR enterprise scale ERP implementation.

- Working experience on LMS-LOS-ERP systems and understanding of digital lending guidelines.

- Hands-on program management of microservices, event-driven financial systems, and data integrations.

Preferred Qualifications:

- Background in Technology consulting or Financial systems/FinTech.

- Masters degree from Tier 1 institutes (IIM A/ B/ C/ ISB) or Chartered Accountant (CA).

Success Traits:

- Ability to simplify complex transactional and accounting processes.

- High ownership mindset, structured execution style, and stakeholder empathy.

- Strong grasp of system controls, financial accuracy, and automation-first thinking.