We are looking for a visionary and execution-driven VP - Product to lead the digital product strategy for our lending platform. This role will own the end-to-end product lifecycle across borrower journeys, underwriting, disbursal, and collections, while driving innovation, scalability, and business growth.

The ideal candidate brings deep expertise in digital lending ecosystems, a strong understanding of credit, risk, and regulatory frameworks, and a proven track record of building and scaling high-impact financial products.

Key Responsibilities:

Product Strategy & Vision:

- Define and drive the product vision and roadmap for the digital lending platform

- Identify new opportunities across customer segments (consumer, MSME, etc.)

- Align product strategy with business growth, risk appetite, and regulatory landscape

Lending Product Ownership:

Own end-to-end lending journeys:

- Lead generation & onboarding

- KYC & verification

- Credit underwriting & decisioning

- Loan disbursal

- Repayment & collections

- Continuously improve conversion, approval rates, and customer experience

Data, Risk & Analytics:

Collaborate with risk and analytics teams to refine:

- Credit models

- Fraud detection frameworks

- Risk-based pricing

- Drive data-led decision making across product enhancements

Product Development & Execution:

- Lead cross-functional teams (engineering, design, data, risk, operations)

- Ensure agile execution and timely delivery of product initiatives

- Build scalable, API-driven, and modular product architecture

Leadership & Team Building:

- Build and mentor a high-performing product organization

- Drive a culture of ownership, innovation, and customer obsession

- Partner closely with leadership, business, and compliance stakeholders

Growth & Performance:

Define and track key product metrics:

- Conversion rates

- Cost of acquisition

- Portfolio quality (NPAs, delinquencies)

- Customer lifetime value

- Drive revenue growth while maintaining risk discipline

Compliance & Regulatory Alignment:

- Ensure adherence to RBI regulations and digital lending guidelines

- Work closely with legal and compliance teams

- Embed governance and audit readiness into product design

Key Skills & Competencies:

- Deep expertise in digital lending / credit products

- Strong understanding of underwriting, risk, and collections

- Strategic thinking with strong execution capability

- Data-driven mindset with analytical rigor

- Strong stakeholder management and leadership skills

- Experience with API ecosystems, fintech integrations, and platform thinking

Qualifications:

- Bachelor's degree in Engineering / Technology / Finance

- MBA or equivalent preferred

- Proven leadership experience in fintech / NBFC / lending platforms

Preferred Experience:

- Experience building lending products from 0 - 1 and scaling 1 - 10

- Exposure to embedded finance / partnerships / co-lending models

- Familiarity with bureau integrations, alternative data, and credit scoring

- Experience in regulated environments