Product Manager

airtel; Gurugram District; On-site; INR 800,000 - 1,500,000; Full time

Job summary

Airtel is seeking a Product Manager for digital lending to own the personal loan lifecycle—from offer and application through KYC, e-mandate, disbursal to servicing. You will diagnose funnel drop-offs, work with credit and risk on eligibility and pricing, and benchmark against fintech peers to drive performance while ensuring RBI regulatory compliance.

You will collaborate with NBFCs and KYC vendors, write precise PRDs, and lead prioritisation with a growth-oriented, risk-aware mindset in a

Qualifications

• Minimum 4–7 years of overall experience with at least 3 years in product management in a fintech.
• Launched and scaled a digital lending product end to end, ideally unsecured personal loans or similar consumer credit.
• Strong understanding of the digital lending journey, underwriting, policy rules, KYC, e-mandate, disbursal, and collections touchpoints.
• Knowledge of RBI digital lending guidelines and NBFC regulatory environment.
• Strong data skills: funnels, cohorts, approvals, conversion analysis and experimentation.
• Ability to work with credit, risk and compliance teams and design journeys within regulatory constraints.

Responsibilities

• Own the personal loan roadmap, proposition and customer experience across the full lifecycle: offer, application, KYC, e-mandate, disbursal, repayment and servicing.
• Diagnose funnel drop-offs and improve offer-to-disbursal conversion with evidence-based fixes.
• Collaborate with credit and risk teams on eligibility, offer construction and pricing balancing conversion with portfolio quality.
• Benchmark against leading fintechs and identify where we win or lag.
• Write sharp product requirements and prioritisation decisions clearly understood by the POD.
• Manage relationships and integrations with NBFCs, credit bureaus and KYC vendors to ensure regulatory compliance.

Skills

Product management

Digital lending / fintech

Data analysis

Cross-functional collaboration

Regulatory knowledge

Stakeholder communication

Job description

• Own the personal loan roadmap, proposition and customer experience across the full lifecycle: offer, application, KYC, e-mandate, disbursal, repayment and servicing.
• Improve offer-to-disbursal conversion by diagnosing funnel drop-offs and fixing them with evidence.
• Work with credit and risk teams on eligibility, offer construction and pricing, balancing conversion against portfolio quality.
• Benchmark against leading fintechs and know where we win and where we do not.
• Write sharp product requirements and make prioritisation calls that the POD understands.

Partners, Platform and Compliance

• Manage relationships and integrations with NBFCs and third-party providers such as credit bureaus, and KYC vendors.
• Ensure every journey complies with RBI digital lending requirements.
• Think in platforms: identify what is common across personal, gold and business loans, and work with engineering to build shared services once instead of repeatedly.

Growth

• Work with growth and marketing on acquisition, and with the wider Airtel Finance team on cross-sell.
• Own your section of the Borrow scorecard: leads, applications, approvals, disbursals, AUM and early portfolio quality indicators.

Required Skills and Experience

• 4-7 years of overall experience, including at least 3 years in product management at a fintech.
• Has launched and scaled a digital lending product end to end, ideally unsecured personal loans or similar consumer credit.
• Strong understanding of the digital lending journey and its building blocks: bureau pulls, underwriting and policy rules, KYC, e-mandate, disbursal and collections touchpoints.
• Working knowledge of RBI digital lending guidelines and the NBFC regulatory environment.
• Strong data skills: fluent with funnels, cohorts, approval and conversion analysis and experimentation.
• Comfortable working with credit, risk and compliance teams, and able to design simple journeys within regulatory constraints.
• Clear written and verbal communication, and comfortable presenting to senior leadership.