Associate Product Manager

Vegapay; Gurugram District; On-site; INR 2,000,000 - 5,000,000; Full time

Job summary

Vegapay is seeking a Product Manager with strong Banking SaaS expertise to lead the credit management portfolio, including cards, BNPL, lines, and embedded lending. You will collaborate with banks, NBFCs, fintechs, and partners to design scalable credit programs and drive the product roadmap end-to-end.

You will translate credit requirements into configurable SaaS capabilities, own underwriting and lifecycle workflows, and work with risk/compliance to ensure regulatory readiness.

Qualifications

• 2+ years of Product Management experience.
• Strong exposure to Banking SaaS, Lending Infrastructure, or Fintech platforms.
• Experience building or scaling Credit Cards, BNPL, Credit Lines, Consumer Lending, or Embedded Finance products.
• Deep understanding of the credit lifecycle including onboarding, underwriting, decisioning, disbursals, billing, repayments, collections, and account closure.
• Experience working with configurable product platforms serving banks, NBFCs, or fintechs.
• Strong understanding of lending operations, risk controls, and credit program management.

Responsibilities

• Own the end-to-end product lifecycle for credit management solutions including Credit Cards, Credit Lines, BNPL, and embedded lending products.
• Work closely with banks, NBFCs, fintechs, and ecosystem partners to design and launch scalable credit programs.
• Define and execute the product roadmap aligned with business objectives and market opportunities.
• Translate complex lending and credit requirements into configurable, scalable SaaS product capabilities.
• Drive platform capabilities across underwriting, onboarding, loan servicing, billing, repayments, collections, and customer management.
• Collaborate with engineering teams to build flexible credit infrastructure, decisioning frameworks, and workflow engines.
• Work closely with compliance, risk, operations, and partner teams to ensure regulatory and operational readiness.
• Optimize customer journeys across origination, servicing, repayments, and collections.
• Analyze product performance, portfolio behavior, and platform adoption to identify growth and optimization opportunities.

Skills

Product management

Banking SaaS

Fintech platforms

Credit lifecycle

Credit cards BNPL

Embedded lending

Job description

The Impact You’ll Drive

We are looking for a

The Impact You’ll Drive

We are looking for a Product Manager with strong experience in Banking SaaS platforms, specifically within the Credit Management ecosystem.

The ideal candidate should have hands-on experience building, scaling, or managing credit products such as Credit Cards, BNPL, Credit Lines, Lending Platforms, or Embedded Credit solutions. They should possess a deep understanding of the end-to-end credit lifecycle and have worked either within a B2B SaaS platform serving financial institutions or directly within a fintech/bank managing credit products at scale.

The Hats You Will Wear

• Own the end-to-end product lifecycle for credit management solutions including Credit Cards, Credit Lines, BNPL, and embedded lending products
• Work closely with banks, NBFCs, fintechs, and ecosystem partners to design and launch scalable credit programs
• Define and execute the product roadmap aligned with business objectives and market opportunities
• Translate complex lending and credit requirements into configurable, scalable SaaS product capabilities
• Drive platform capabilities across underwriting, onboarding, loan servicing, billing, repayments, collections, and customer management
• Collaborate with engineering teams to build flexible credit infrastructure, decisioning frameworks, and workflow engines
• Work closely with compliance, risk, operations, and partner teams to ensure regulatory and operational readiness
• Optimize customer journeys across origination, servicing, repayments, and collections
• Analyze product performance, portfolio behavior, and platform adoption to identify growth and optimization opportunities

The Perfect Fit

• 2+ years of Product Management experience
• Strong exposure to Banking SaaS, Lending Infrastructure, or Fintech platforms
• Experience building or scaling Credit Cards, BNPL, Credit Line, Consumer Lending, or Embedded Finance products
• Deep understanding of the credit lifecycle including onboarding, underwriting, decisioning, disbursals, billing, repayments, collections, and account closure
• Experience working with configurable product platforms serving banks, NBFCs, or fintechs
• Strong understanding of lending operations, risk controls, and credit program management

Your Edge Over The Rest

• Experience building B2B SaaS products for credit management or lending infrastructure
• Understanding of RBI regulations governing digital lending, co-lending, and credit products
• Familiarity with LOS, LMS, rule engines, underwriting systems, and decisioning frameworks
• Knowledge of ledger systems, repayment orchestration, reconciliation, and settlement flows
• Experience working with credit bureaus, fraud systems, KYC providers, and risk platforms
• Strong understanding of APIs, platform architecture, and SaaS product design principles
• Strong problem-solving skills with the ability to navigate ambiguity and complexity
• High ownership mindset with a bias for execution and outcomes
• Ability to balance business goals, regulatory requirements, and customer experience
• Excellent stakeholder management and communication skills across business, technology, risk, and banking teams

The Problem We’re Solving

Financial institutions today are held back by legacy systems that are slow, rigid, and expensive to scale. Launching or evolving credit, lending, and UPI products often takes months, requires heavy engineering effort, and limits the ability to create personalized customer experiences.

At the same time, customer expectations have changed - speed, flexibility, and tailored financial products are no longer optional. Banks and fintechs need infrastructure that allows them to innovate quickly, adapt continuously, and scale without friction.

This is where we come in.

At Vegapay, we are building modern, configurable fintech infrastructure that enables banks, NBFCs, and enterprises to design, launch, and manage credit and payment programs with ease. Our platform brings together flexibility, speed, and control - helping our partners unlock new growth opportunities and deliver personalized banking experiences at scale.

The Opportunity Ahead

• High ownership: You build it, you own it
• Real scale: Systems that handle real money, real users, real complexity
• Strong engineering culture: Clean code, solid architecture, fast execution
• Zero fluff: Minimal bureaucracy, maximum impact
• Growth: Shape systems, teams, and engineering direction