Lead - Digital Product Manager (AI First) - D2C Sales

Seven N Half; Mumbai; On-site; INR 350,000 - 800,000; Full time

Job summary

Prudential Health India is seeking a Lead, Digital Product Management for its AI-first D2C health insurance platform. You will own strategy, research and oversee AI-enabled customer journeys to drive conversion, engagement and policy issuance.

You will lead cross-functional teams across engineering, analytics and UX, shaping multi-year roadmaps and guiding end-to-end delivery from discovery to post-launch optimization.

Qualifications

• Bachelor's degree in Engineering, Technology, Business, Economics or related disciplines.
• 10-14 years of relevant experience in Digital Product Management, Digital Commerce, Platform Products, Customer Experience Transformation or Digital Sales.
• Demonstrated experience owning complex digital customer journeys from strategy through implementation.
• Experience developing AI-powered, data-driven and personalised digital products.
• Proven track record of driving measurable conversion, engagement and commercial outcomes.
• Experience building and leading high-performing product teams.

Responsibilities

• Define the digital product vision and AI-first strategy for the D2C business.
• Own the complete digital customer journey across web, mobile, conversational and assisted digital channels.
• Lead the development of AI-powered guided-selling, recommendation and decision-support capabilities.
• Translate business priorities into product roadmaps, initiatives, epics and user stories.
• Prioritise investments based on customer impact, ROI and feasibility.
• Lead end-to-end product lifecycle from discovery through implementation and post-launch optimisation.
• Partner with Engineering, Analytics, UX/UI and Architecture teams to deliver scalable platforms.
• Drive integration across CRM, policy administration, underwriting, payment and analytics platforms.
• Present experience strategies and performance recommendations to senior leadership.
• Build, coach and lead a high-performing digital product management team.

Skills

Generative AI

Digital product management

Data-driven decisions

Stakeholder management

Team leadership

Education

Bachelor's degree in Engineering, Technology, Business, Economics or related

Tools

APIs

Cloud platforms

Data architectures

Job description

Job Description: Lead, Digital Product Management - Direct-to-Consumer (D2C) Sales

The Opportunity: Build India’s leading "AI-First" Digital Insurance Practice

Prudential Health India is building a technology-led, customer-centric and AI-first Direct-to-Consumer (D2C) health insurance business across web, native mobile applications, WhatsApp, conversational interfaces and assisted digital channels.

We are looking for a Lead, Digital Product Management who will own the digital product strategy, customer journey roadmap, AI-powered platform innovation and commercial performance of the D2C ecosystem.

The role is accountable for designing and scaling simple, intelligent and high-conversion customer journeys across the complete insurance lifecycle, including discovery, quote generation, plan comparison, proposal completion, underwriting, payment, policy issuance, servicing, renewal and retention.

The successful candidate will combine product strategy, customer understanding, AI fluency, commercial judgement, analytics and execution excellence to create differentiated customer experiences while driving measurable business outcomes such as conversion, digital sales, customer satisfaction, straight-through processing and operational efficiency.

This is not a feature-delivery role. The role is accountable for delivering customer and business outcomes through AI led innovation, experimentation and data-driven decision-making.

Key Responsibilities

1. Product Strategy and AI-First Innovation

• Define the digital product vision and AI-first strategy for the D2C business.
• Develop and manage a multi-year product roadmap aligned to growth, customer acquisition, engagement, conversion and retention objectives.
• Evaluate every major customer journey and operational process through an AI-first lens, identifying opportunities to simplify decision-making, automate processes, personalise experiences and improve conversion.
• Build business cases for new product capabilities, AI investments and customer-experience initiatives.
• Monitor developments in Generative AI, Conversational AI, predictive analytics and intelligent automation, translating relevant innovations into product opportunities.

2. End-to-End Customer Journey Ownership

• Own the complete digital customer journey across web, mobile, conversational and assisted digital channels.
• Design and optimise journeys covering lead generation, needs assessment, product discovery, quote generation, plan comparison, proposal completion, medical declarations, underwriting, payment, issuance, onboarding and renewal.
• Simplify health insurance complexity including waiting periods, exclusions, co-payments, deductibles, medical disclosures and product suitability.
• Transform continuity between self-service and assisted channels while ensuring customer context is retained across interactions.
• Develop intelligent recovery journeys for abandoned quotes, proposals and payment processes.

3. AI-Powered Customer Experiences

• Lead the development of AI-powered guided-selling, recommendation and decision-support capabilities.
• Build conversational experiences across WhatsApp, chat, mobile and web channels for education, product comparison, quote generation, proposal completion and customer support.
• Develop personalised engagement models using customer behaviour, consented data and predictive analytics.
• Partner technology teams in defining appropriate guardrails, escalation pathways and human-review requirements for AI-driven interactions.
• Ensure AI experiences are transparent, explainable, compliant and aligned with customer-consent and data-privacy obligations.

4. Product Roadmap, Delivery and Platform Development

• Translate business priorities into product roadmaps, initiatives, epics and user stories.
• Prioritise investments based on customer impact, conversion potential, ROI, operational efficiency, regulatory requirements and technical feasibility.
• Lead the end-to-end product lifecycle from discovery through implementation and post-launch optimisation.
• Partner closely with Engineering, Analytics, UX/UI and Architecture teams to deliver scalable, secure and reliable platforms.
• Drive integration across CRM, policy administration, underwriting, payment, marketing automation and analytics platforms.
• Support modular and reusable platform capabilities that accelerate speed-to-market and experimentation.

5. Conversion Optimisation and Commercial Performance

• Establish product measurement frameworks, metrics and performance dashboards.
• Analyse customer behaviour, funnel performance, feature adoption and operational outcomes to identify improvement opportunities.
• Build a disciplined experimentation culture through A/B testing, multivariate testing and controlled pilots.
• Conduct customer research, usability studies and journey analysis to identify barriers relating to trust, affordability, comprehension and medical disclosures.
• Maintain a structured repository of customer, product and AI learnings to support continuous optimisation.

6. Cross-Functional Collaboration

• Partner closely with D2C Sales to understand customer objections, assisted-sales interactions and conversion challenges.
• Work with Digital Marketing teams to optimise campaign-to-conversion journeys and landing-page effectiveness.
• Collaborate with Digital Product Management and Engineering teams throughout discovery, design, development, testing and launch cycles.
• Partner with Analytics teams to define measurement frameworks and identify optimisation opportunities.
• Work with Underwriting, Operations, Claims, Customer Service and Compliance teams to ensure journeys are operationally executable and regulatory compliant.
• Present experience strategies, research findings and performance recommendations to senior leadership.
• Build, coach and lead a small yet highly effective high-performing digital product management team as business scales

The Ideal Candidate

Qualifications and Experience

• Bachelor's degree in Engineering, Technology, Business, Economics or related disciplines.
• 10-14 years of relevant experience in Digital Product Management, Digital Commerce, Platform Products, Customer Experience Transformation or Digital Sales.
• Demonstrated experience owning complex digital customer journeys from strategy through implementation.
• Experience developing AI-powered, data-driven and personalised digital products.
• Proven track record of driving measurable conversion, engagement and commercial outcomes.
• Experience building and leading high-performing product teams.

Required Skills and Competencies

• Strong understanding of Generative AI, Conversational AI, predictive analytics and automation.
• Ability to identify commercially valuable AI use cases and translate them into scalable products.
• Deep understanding of digital customer journeys, sales funnels and customer decision-making.
• Ability to connect product investments to measurable business outcomes.
• Strong capability in funnel analytics, cohort analysis, experimentation and business-case development.
• Ability to use data to challenge assumptions and prioritise investments.
• Working knowledge of APIs, digital architecture, system integration, cloud platforms, AI ecosystems and data products.
• Ability to collaborate effectively with engineering and data-science teams.
• Strong stakeholder-management and program-delivery skills.
• Ability to manage multiple priorities in a fast-moving, high-growth environment.
• High levels of ownership, judgement and accountability.