Senior Product Manager - Credit Risk

Accountabilities You will own the credit product strategy and execution, translating lender needs and market opportunities into effective, data-driven products. Your main responsibilities will include:

• Define and manage the credit signals roadmap, identifying opportunities to develop alternative data sources, behavioral indicators, and fraud signals that improve credit risk assessment. • Engage directly with banks, non-banking financial companies (NBFCs), and fintech lenders to understand their underwriting, lending, and collections processes and translate their challenges into product opportunities. • Develop solutions covering the full credit lifecycle, including customer onboarding, underwriting, credit limits, early-warning indicators, and collections. • Collaborate with data science teams to define high-quality credit signals, evaluate model performance, and move promising models from experimentation into production. • Lead the development and launch of scalable, API-first credit products and decisioning tools. • Monitor product performance and business impact through key metrics such as approval rates, delinquency levels, and fraud losses. • Partner with Go-to-Market teams to support product positioning, commercial proposals, and pricing strategies for credit-related solutions. • Work with compliance stakeholders to ensure products meet applicable regulatory requirements, including Reserve Bank of India (RBI) regulations and data protection standards. • Gather customer feedback, assess market developments, and continuously improve product capabilities and performance.

Requirements

The ideal candidate combines strong product leadership with hands-on credit risk experience and the ability to use data to guide product decisions. You should bring the following qualifications and skills:

• 5–8 years of product management experience at Product Manager or Senior Product Manager level, with ownership of products throughout their lifecycle. • Direct consumer-side credit experience at a lender, NBFC, credit-focused fintech, or Buy Now, Pay Later (BNPL) company. • Experience building and scaling credit products in India or international markets. • Practical experience working with credit signals, including credit bureau data, alternative data, risk scores, or fraud indicators used in lending decisions. • Strong data analysis skills, including the ability to interpret Gini and Kolmogorov-Smirnov (KS) statistics and independently extract insights using SQL. • Excellent communication skills and the ability to work effectively with senior risk leaders, engineers, sales teams, and other stakeholders. • Strong product judgment and the ability to translate complex financial and technical requirements into clear product strategies and deliverables.