A. Summary
Lead the end to end strategy, design, and delivery of unsecured lending products and digital journeys. Own product performance, shape the roadmap, and drive cross functional execution to achieve growth, profitability, and customer experience goals
B. Responsibilities
1. Product Strategy & Ownership
- Define product strategy and roadmap for Unsecured Personal Loan/Cash Loan
- Manage product P&L, portfolio performance, pricing, and riskreturn balance
- Identify market opportunities and customer insights to drive growth
2. Solution Design & Architecture
- Lead product discovery, requirement shaping, and solution blueprinting
- Oversee journey design, process optimization (STP/automation), and integration across systems
- Evaluate options and make tradeoff decisions aligned with business objectives
3. Cross Functional Leadership
- Work closely with Tech, Data, Risk, Operations, Compliance, and CX to ensure feasibility, compliance, and operational readiness.
- Chair solution reviews, change governance, and risk approvals.
- Set design standards and ensure consistency across initiatives.
4. Delivery Oversight
- Prioritize backlog, manage scope, and ensure delivery of measurable outcomes
- Review BRD/FSD, UX/UI, data models, and credit decisioning logic
- Monitor metrics: conversion, STP, TAT, risk KPIs, and customer experience
5. Performance Optimization
- Use data to optimize pricing, funnels, credit rules, offers, and portfolio quality
- Partner with Data/Risk to refine scoring, preapproval, and underwriting models
- Drive continuous improvement to enhance growth and reduce losses
C. Requirements
- 12 16+ years in Digital Banking, Consumer Finance, or Fintech
- Direct experience delivering Unsecured Personal Loan (UPL) products is mandatory
- Demonstrated leadership in owning product lifecycle end to end
- Strong understanding of retail lending, credit processes, and risk management
- Excellent analytical and crossfunctional communication skills
- Experience managing P&L or lending portfolios
- Familiarity with lending architecture (LOS, LMS, DWH, scoring engines, APIs)
