Product Manager

Spice Money; Dadri; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Spice Money is seeking a Product Manager to own quarterly roadmaps across fintech domains, driving impactful digital product outcomes for rural financial inclusion. You will partner with engineering, design, risk, and operations to deliver user-centered features that balance value, viability, and compliance.

The role emphasizes analytics-driven decision making, stakeholder alignment, and the ability to thrive in a fast-paced startup-like fintech environment serving Bharat.

Qualifications

• B.Tech/BE or MBA from tier 1 college is preferred.
• 2-5 years of product management experience in fintech or related areas.
• Strong analytical mindset with data-driven decision making.
• Excellent stakeholder management and communication skills.
• Ability to work in a fast-paced, high-growth fintech environment.

Responsibilities

• Own and execute the quarterly roadmap for the assigned product area.
• Ensure high-quality execution and optimize user journeys.
• Track metrics for funnel, activation, adoption and retention; reduce friction.
• Balance customer value, business viability, and technical feasibility in features.
• Collaborate with engineering, design, risk, compliance, and operations.

Skills

Product management

Fintech domain

Analytics literacy

Cross‑functional collaboration

Education

B.Tech/BE or MBA (tier 1 college)

Tools

Product analytics tools

Job description

About Spice Money Limited

Founded in 2000 by Dilip Modi, Spice Money Limited is India's leading rural fintech company, headquartered in Noida and operating as a subsidiary of DiGiSPICE Technologies Limited, a publicly listed entity. The company is driven by a strong mission to accelerate financial inclusion and empower the underserved "Bharat" through technology-enabled financial services.

With a network of 1.6+ million Adhikaris across India, the company enables last-mile access to essential services including AEPS cash withdrawal and deposits, domestic money transfer, bill payments, insurance, micro-ATM services, credit solutions, travel bookings, account opening, and UPI-led digital payments. Spice Money has consistently introduced industry-first innovations such as a zero-cost Adhikari platform, one of India's largest assisted payments networks, a rural credit marketplace, and Spice Money UPI & Spice Pay wallet to accelerate digital adoption in smaller towns and villages.

Operating across 95%+ pincodes with a team of 1,000+ employees, Spice Money combines the agility of a high-growth fintech with the scale and impact of a nationwide distribution networkcreating meaningful economic opportunities and driving the next phase of financial inclusion in India.

Why This Role Matters

This role is pivotal in driving product excellence, execution quality, and journey outcomes within a defined user journey or problem area. The Product Manager will own a quarterly roadmap, translating company strategy into seamless digital products that drive financial empowerment across rural India. Depending on assignment, the role may focus on domains such as Adhikari onboarding and KYC, assisted payments, merchant acceptance, lending, insurance, growth and engagement, internal sales tools, risk/compliance platforms, or shared product infrastructure. In every domain, the role requires balancing customer value, business viability, technical feasibility, operational simplicity, reliability, and regulatory compliance.

HOW YOU'LL CONTRIBUTE

• Roadmap Planning & Delivery: Own and execute the quarterly roadmap for your assigned problem area or domain, turning strategic objectives into clear, high-impact product releases.
• Journey & Outcome Optimization: Take end-to-end accountability for execution quality and user journey outcomes, actively working to eliminate friction, lower defects, and elevate overall success rates.
• Funnel Efficiency & Growth: Continuously track key performance indicators such as conversion rates, user activation, adoption, and active usage to refine product features.
• Balanced Product Development: Deliver features that strike an optimal balance between customer value, business viability, technical feasibility, operational simplicity, platform reliability, and strict regulatory compliance.
• Cross-Functional Collaboration: Partner effectively with engineering, UI/UX design, risk, compliance, operations, and business teams to ensure seamless execution and timely delivery.
• Data-Driven Iteration: Leverage product analytics to conduct root-cause analysis on journey drop-offs, track defect rates, and implement data-backed solutions.

WHAT WILL MAKE YOU SUCCESSFUL

• Education & Experience: B.Tech/BE or MBA from tier 1 college with 25 years of experience in product management, preferably within Fintech, B2B, B2C, payment platforms, or fast-paced startup environments.
• Track Record of Execution: Proven capability to own product modules end-to-end with high attention to execution quality, user experience, and metric-driven results.
• Analytical & Problem-Solving Mindset: Proficiency in using product analytics tools to extract actionable insights from user behavior and performance data. Rural Market Empathy: A strong appreciation for the "Bharat" user persona, with a focus on creating simple, accessible, low-friction digital journeys.
• Stakeholder Management: Excellent communication skills to manage cross-functional priorities within agreed guardrails and strategy.
• Agility & Resilience: A fast learning curve with the ability to thrive in a high-growth, dynamic, and evolving fintech ecosystem