Product Manager - LAP

About the role

What you'll do

• This role requires understanding of Micro & Small Enterprises in Teir 2/3 geographies, knowledge of their cash flow nuances, ability to design and scale innovative credit products tailored to that segments.
• The ideal candidate will bridge on-ground insights (including competitive benchmarking) with product, credit, and technology to drive growth, improve customer experience, and unlock new revenue streams.
• 1. Product Strategy & Development
• Design customer-centric loan products based on local market needs and income patterns.
• Continuously innovate on product constructs (Technology, TAT, Tenure, Ticket size, Repayment models, Hybrid income assessment, Type of Security etc.).
• 2. Customer & Market Understanding
• Spend significant time in the field to understand customer behavior, needs, and pain points.
• Build strong insights into MSME cash flows, salaried informal segments, and local business ecosystems.
• Translate ground-level insights into scalable product features and policies.
• 3. Financial Needs Analysis
• Analyze customer financial requirements across lifecycle stages (working capital, expansion, personal needs).
• Develop frameworks for income assessment in low-documentation/alternate sources environments.

What you'll bring

• Experience
• 3–8 years of experience in NBFC/Banking/Fintech.
• Significant exposure to LAP, MSME lending, or retail secured lending.
• Experience working in Tier 2/3/4 markets preferred.
• Skills & Competencies
• Field Orientation: Willingness to travel extensively and engage directly with customers.
• Comfort with Ambiguity: Ability to operate in evolving, unstructured environments.
• Customer Insight: Deep understanding of MSME and salaried segments in semi-urban/rural markets.
• Analytical Thinking: Ability to interpret financials, cash flows, and informal income patterns.
• Product Mindset: Strong problem-solving and innovation capabilities.
• Tech Awareness: Understanding of digital lending, AI/ML applications in financial services.
• Execution Focus: Ability to drive outcomes across multiple stakeholders.