IT Product Owner- LOS

Skillventory; Mumbai; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Skillventory is seeking a Product Lead to shape the strategic roadmap for its LOS product, balancing new features with technical debt, while coordinating a complex tech stack and vendor ecosystem in a fast-paced fintech environment.

The role emphasizes regulatory-compliant workflows, data-driven decision making, and scalable disbursement strategies across unsecured and secured lending contexts. Mumbai-based, full-time role with leadership responsibilities.

Responsibilities

• Vision Ownership: Define the multi-year roadmap for the LOS, balancing new product launches with technical debt.
• Backlog Grooming: Manage and prioritize a high-velocity product backlog for high-impact features.
• Stakeholder Buy-in: Align risk and sales requirements to optimize risk controls and user experience.
• System Evolution: Lead transition from monolithic LOS to microservices-based architectures.
• Vendor Ecosystem: Evaluate onboard third-party fintech partners and manage build-vs-buy decisions.
• Regulatory Compliance: Ensure compliant-by-design workflows with RBI/global mandates.
• BRE Orchestration: Configure complex business rule engines handling 10,000+ apps daily.
• Funnel Analytics: Analyze micro-conversions and run A/B tests on credit policy rules.
• Collection Integration: Integrate LOS with collections/recovery systems for early alerts.
• LTV Optimization: Dynamically adjust loan-to-value ratios based on data.
• Legal Tech Integration: Automate title search and lien marking with registries.
• Complex Disbursement: Manage tranche-based disbursements linked to milestones.

Job description

Key Responsibilities

1. Strategic Roadmap & Prioritization

• Vision Ownership: Define the multi-year roadmap for the LOS, balancing new product launches (e.g., transitioning from Unsecured to Secured) with technical debt.
• Backlog Grooming: Manage and prioritize a high-velocity product backlog to ensure the engineering team works on high-impact features.
• Stakeholder Buy-in: Navigate conflicting requirements from Risk (who want more friction/checks) and Sales (who want one-click disbursements).

2. Technical Orchestration & Architecture

• System Evolution: Lead the transition from monolithic LOS architectures to Microservices-based architectures.
• Vendor Ecosystem: Evaluate and onboard third-party Fintech partners (Liveness checks, Account Aggregators, BRE engines) and manage the "Build vs. Buy" decision-making process.
• Regulatory Compliance: Ensure the product journey is "Compliant by Design," incorporating RBI/Global regulatory mandates into the automated workflow.

Segmented Competence Matrix

A. Unsecured Lending Mastery (Lead Level)

• BRE Orchestration: Expertise in configuring complex Business Rule Engines that can process 10,000+ applications daily without manual intervention.
• Funnel Analytics: Using data to identify micro-conversions and implementing A/B testing on different credit policy rules.
• Collection Integration: Designing the handshake between the LOS and the Collections/Recovery systems for early-warning signals.

B. Secured Lending Mastery (Lead Level)

• LTV Optimization: Dynamically adjusting Loan-to-Value ratios based on real-time market data or collateral depreciation models.
• Legal Tech Integration: Automating the "Title Search" and "Lien Marking" processes via integration with government property or education registries.
• Complex Disbursement: Managing "Tranche-based" disbursements common in Education or Construction loans, linked to physical milestones.

• Experience: 4+ years in Product Management/Ownership, specifically in Lending/FinTech.
• Proven Track Record: Experience in scaling a lending product from MVP to high-volume production.