Associate Product Manager (Personal Finance)

HT Digital Streams; Gurugram District; On-site; INR 600,000 - 1,000,000; Full time

Job summary

HT Digital Streams in Gurugram is seeking an Associate Product Manager for Personal Loans (Customer & Partner Growth). You will own end-to-end onboarding of lending partners, optimize the loan origination journey, and build trusted financial products focused on customer experience.

This early-career role welcomes fresh graduates and professionals with up to 2 years of experience. Prior lending knowledge is a plus, not required, with support to ramp up quickly.

Qualifications

• 0–2 years of experience in product management, business analysis, consulting, or customer-facing roles.
• B.E / B.Tech from a recognized institute (final year students welcome).
• MBA from a Tier 1 or Tier 2 institute is a plus, not mandatory.

Responsibilities

• Own end-to-end onboarding and integration of new lending partners onto our platform.
• Audit and improve the loan application journey to reduce drop-offs and improve conversion.
• Identify friction points using data and customer feedback and translate insights into product improvements.
• Be the voice of the customer within the product team and translate feedback into actions.
• Track trust metrics (NPS, repeat usage) and drive initiatives to improve them.
• Bridge between customer support and product, triaging issues and closing the loop with users.

Skills

Strong communication

Problem solving

Data-driven

SQL familiarity

Cross-functional teamwork

Education

B.E/B.Tech

MBA (preferred)

Tools

JIRA

Figma

Job description

Role- Associate Product Manager – Personal Loans (Customer & Partner Growth)

Location: Gurugram

Department: Product

Experience: 0–2 Years

About the Role

We are looking for a passionate and customer-obsessed Associate Product Manager to join our Personal Loans team. This role sits at the heart of our lending business — you will own the end-to-end experience of integrating lending partners onto our platform, optimizing loan origination journeys, and building products that customers genuinely trust.

If you love talking to customers, obsess over removing friction, and want to build financial products that make a real difference in people's lives — this role is for you.

This is an early-career role open to fresh graduates and professionals with up to 2 years of experience. Prior lending knowledge is a plus, not a prerequisite — we will set you up for success.

What You Will Do

• Own end-to-end onboarding and integration of new lending partners onto our platform, working closely with engineering, operations, and business teams.
• Continuously audit and improve the loan application journey — from landing to disbursal — to reduce drop-offs and improve conversion.
• Identify friction points in the funnel using data and customer feedback, and work with engineering and design to ship fixes fast.
• Be the voice of the customer within the product team — regularly speak to customers, collect structured feedback, identify recurring pain points, escalations, and failure patterns and translate insights into actionable product improvements.
• Track customer trust metrics — NPS, repeat usage, complaint rates — and own initiatives that move these numbers.
• Act as a bridge between customer support and product — triage high-impact issues, prioritize fixes, and close the loop with affected users.

Who You Are

• A strong communicator who can listen as well as articulate — comfortable speaking to customers, engineers, and senior stakeholders alike.
• Naturally curious and detail-oriented — you ask "why" often and follow through until you find the answer.
• Data-inclined — you are comfortable looking at dashboards, querying basic data, or working through a funnel analysis to find what is broken.
• Empathetic by default — you genuinely care about the experience of someone applying for a loan, often for the first time.
• Comfortable with ambiguity and fast-moving environments — you do not wait for a perfect brief to start figuring things out.

Qualifications

• B.E / B.Tech from a recognized institute (final year students appearing for graduation in 2025 are welcome to apply).
• MBA from a Tier 1 or Tier 2 institute is a plus, not mandatory.
• 0–2 years of experience in product management, business analysis, consulting, or customer-facing roles.
• Prior exposure to fintech, lending, or financial services is preferred but not required.

Skills & Tools

Must Have

• Strong written and verbal communication skills.
• Ability to break down problems and present structured solutions.
• Basic proficiency with spreadsheets and data tools (Excel, Google Sheets).
• Comfort working with cross-functional teams across engineering, design, ops, and compliance.
• Exposure to SQL or any data querying tool.

Good to Have

• Familiarity with product tools like Figma, JIRA, or equivalent.
• Basic understanding of APIs and how integrations work.
• Knowledge of how personal loan products, LOS, or credit underwriting works.
• Experience using AI tools like ChatGPT or Claude for productivity and quick prototyping.

Why This Role

• You will own meaningful work from day one — not just support it.
• Direct access to customers and real feedback loops, not just internal metrics.
• Work at the intersection of technology, finance, and human experience.
• Be part of a team building one of the most trusted lending platforms in India.
• Fast growth environment with clear paths to taking on larger product ownership.