Product Manager

Multitude; Gurugram District; Hybrid; INR 4,000,000 - 7,000,000; Full time

Benefits offered by this job

Hybrid & Flexible Work

Growth opportunities

Medical coverage

Workation programme

Share purchase matching

Accident protection

Job summary

Multitude is seeking a Digital Lending Product Manager to lead the vision and delivery of the lending platform, covering LMS and LOS. You will shape loan products, partner integrations, and turn requirements into clear specifications while collaborating with engineering through delivery and UAT.

The role requires hands-on Indian digital lending experience, with a track record of building or implementing a digital lending platform, targeting a go-live by March 2027 with the first partner

Qualifications

• 5+ years of experience in digital lending product roles, with at least 2+ years in Indian digital lending.
• End-to-end build or implementation of at least one LMS or LOS.
• 2+ years in a NBFC or lending-platform company, not bank-only roles.
• Strong emphasis on lending & credit domain (about 50%), technical (30%), and business (20%).
• Working knowledge of RBI digital lending framework: KFS, APR, FLDG, penal charges.
• Excellent specification writing and familiarity with AI tools.

Responsibilities

• Define product vision and roadmap for the lending platform (LMS & LOS).
• Maintain Agile way of working and backlog with acceptance criteria before build.
• Design loan products: interest, fees, penalties, repayment schedules, DPD, APR journeys.
• Manage multi-partner APIs, onboarding, deduplication, webhooks, tenant isolation.
• Define integration requirements conforming to RBI, credit bureaux, KYC/CKYC, e-NACH and UPI rules, e-sign.

Skills

Lending product domain

Specification writing

Agile methodology

AI tools proficiency

NBFC experience

Education

Engineering degree

Job description

We're hiring a Digital Lending Product Manager to lead the vision and delivery of our lending platform, covering both LMS and LOS. You'll shape loan products and partner integrations, turn requirements into clear specifications, and work closely with engineering through delivery and UAT.

We're looking for someone with hands-on Indian digital lending experience and a track record of building or implementing a digital lending platform. The goal: launch by March 2027 with our first partner portfolio live, regulatory requirements covered, and a platform that makes it faster to onboard future partners.

Responsibilities

• Product vision and roadmap for the lending platform (LMS and LOS).
• Agile Way of Working.
• The backlog, spec-first: every feature specified with acceptance criteria before build.
• Loan product design: interest, fees, penal charges, repayment schedules, DPD, the KFS and APR journey.
• The multi-partner construct: partner APIs, onboarding, deduplication, webhooks, tenant isolation.
• Integration requirements: All compliances including RBI, credit bureaux, KYC and CKYC, e-NACH and UPI mandates, bank payment rails, e-sign.
• Delivery: sprint priorities with engineering, UAT design and sign-off.

Required Skills And Experience

• 5+ years of experience, of which 2+ years in Indian digital lending product roles.
• At least one digital LMS or LOS build or implementation carried end to end.
• 2+ years in one stint at an NBFC or a lending-platform company. Bank-only careers do not qualify.
• The mix: roughly 50 % lending & credit domain 30% technical, 20% business background.
• Working command of the RBI digital lending framework: KFS, APR, FLDG, penal charges.
• Strong specification writing, and daily fluency with AI tools.
• Graduate, engineering preferred.

Success In This Role Means

• Platform live by March 2027, with our first partner portfolio running on it.
• Covering actual regulatory requirements at go-live.
• Straight-through journeys, with manual exceptions shrinking month on month.
• Second partner onboarded in weeks, not months.

We Offer

• A Truly Global Workplace - collaborate with 40+ nationalities across 25+ countries, embracing diversity, inclusion, and cross-cultural innovation
• Hybrid & Flexible Work - balance your life and career with remote-friendly policies and modern offices across Europe
• A Culture of Growth - accelerate your development with access to LinkedIn Learning, structured mentorship, and internal leadership programmes (HiPo & People Leader tracks)
• Workation Programme - work remotely from abroad for up to 2 months per year and experience new cultures while staying connected and productive
• Financial Growth Opportunities - invest in your future with our share purchase matching programme, doubling your contributions and fostering long-term rewards
• Medical Coverage - group medical insurance covering hospitalisation and essential care
• Accident Protection - personal accident insurance for peace of mind

We may use artificial intelligence (AI) tools to support specific parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses against predefined criteria. These tools assist our recruitment team but do not replace human judgment. All final hiring decisions are made by human recruiters.