Product Manager

Cheq Digital; Bengaluru; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Cheq Digital is seeking a Product Manager for its Lending team to own personal loans and credit product experiences. You will drive the end-to-end lending journey, partnering with engineering, design, risk, compliance, and business teams to deliver simple and compliant user experiences.

You will translate regulatory requirements into detailed specs, manage the roadmap, and lead cross-functional execution with minimal oversight.

Qualifications

• 2–4 years of product management experience in lending/credit products.
• Ability to translate regulatory requirements into clear product specs.
• Strong analytical skills with funnel and cohort analysis.
• Experience coordinating with engineering, design, risk, and compliance.

Responsibilities

• Own the product roadmap for lending journeys from application to disbursal.
• Translate RBI lending guidelines and KYC rules into specs and launch plans.
• Collaborate with engineering and design to ship features end-to-end.
• Run funnel analysis and optimize onboarding, KYC, and collections.
• Work with risk and credit teams on underwriting logic and decisions.
• Engage with partner banks/NBFCs to ensure regulatory compliance.
• Design and run A/B tests to improve conversions.
• Mentor junior PMs on specs and stakeholder management.
• Present roadmap updates and insights to leadership regularly.

Skills

Lending product ownership

A/B testing

SQL analysis

PRD writing

Cross-functional leadership

Tools

SQL

Job description

Job Summary

Were looking for a Product Manager to join our Lending team and drive the personal loans and credit product experience. Youll independently own key parts of the lending journey working closely with engineering, design, risk, compliance, and business teams to build products that are simple, compliant, and genuinely useful for our users.

Key Responsibilities

• Independently own the product roadmap for specific lending journeys (e.g., loan application flow, eligibility checks, disbursal, repayment, collections experience)
• Translate business and regulatory requirements (RBI digital lending guidelines, KYC, FLDG norms) into detailed product specs and drive them through to launch
• Partner with engineering and design to ship features end-to-end, balancing user experience with regulatory and risk constraints
• Own funnel analysis, conversion metrics, and cohort behaviour to identify and resolve friction points across the loan lifecycle
• Work closely with risk and credit teams to understand underwriting logic and translate it into product decisions
• Manage relationships with lending partners (NBFCs/banks) and internal compliance to ensure product changes meet regulatory requirements
• Design and run A/B tests to improve onboarding, KYC, and disbursal conversion
• Mentor junior PMs or associate PMs on specs, prioritization, and stakeholder management (as applicable)
• Present roadmap updates, metrics, and insights to leadership on a regular cadence

What Were Looking For

• 23 years of experience in product management, with demonstrated ownership of lending, personal loans, or credit products (fintech, NBFC preferred)
• Solid understanding of the end-to-end lending lifecycle application, KYC, underwriting, disbursal, repayment/collections
• Working knowledge of RBI digital lending guidelines and how regulatory constraints shape product decisions
• Strong analytical skills comfortable independently running funnel analysis, cohort analysis, and SQL queries
• Proven ability to write clear PRDs and drive cross-functional execution with minimal oversight
• Experience collaborating directly with partner lending banks and NBFCs

Job Type

Full time

Location

Karnataka, India

Experience

2-4 years