Product Manager

Bhawana Capital Private Limited; Gurugram District; Hybrid; INR 3,500,000 - 7,000,000; Full time

Benefits offered by this job

Hybrid - Flexible Work

Global Workplace

LinkedIn Learning & Mentorship

Workation programme

Medical coverage

Job summary

Multitude is seeking a Digital Lending Product Manager to lead the vision and delivery of the lending platform (LMS and LOS). You will shape loan products, define specifications, and work with engineering through delivery and UAT.

The role requires hands-on Indian digital lending experience and a track record of building or implementing a platform. The ideal candidate has 5+ years in Indian digital lending products, has built or implemented LMS/LOS end-to-end, and spent 2+ years at an NBFC or

Qualifications

• 5+ years of experience in Indian digital lending product roles.
• End-to-end build or implementation of at least one LMS/LOS.
• Experience at NBFC or lending-platform company for 2+ years.

Responsibilities

• Define product vision and roadmap for the lending platform (LMS and LOS).
• Agree backlog with acceptance criteria before build and drive agile delivery.
• Design loan products: interest, fees, penalties, repayment schedules, and APR journey.
• Coordinate partner APIs, onboarding, deduplication, and webhooks.

Skills

Lending product management

Agile delivery

Specification writing

API integration

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, analysing resumes, or assessing responses against predefined criteria. These tools assist our recruitment team but do not replace human judgement. All final hiring decisions are made by human recruiters. By proceeding to apply for a job with us, you confirm that you have read and accepted our Recruitment Privacy Policy.

At Multitude, we’re more than just a European FinTech company listed on the Frankfurt Stock Exchange – we’re a global team shaping the future of finance. With 700+ professionals based in over 20 locations, we combine diverse perspectives and expertise to deliver digital lending and online banking solutions that empower consumers, SMEs, and FinTechs worldwide. Through our Growth Platform, we operate three dynamic business units:

• Ferratum – seamless mobile banking for consumers
• CapitalBox – flexible financing solutions for SMEs
• Multitude Bank – tailored support for non‑bank lenders and FinTechs

In 2025, we generated €256.9 million in revenue and €26.6 million in net profit, reflecting our strong performance, continued innovation, and commitment to delivering sustainable growth. But what truly sets us apart is our culture. At Multitude, our people are our greatest asset. We foster a dynamic, inclusive, and supportive environment where talent thrives, ideas are valued, and growth is encouraged - both personally and professionally. If you’re ready to make an impact and grow your career in a company that’s redefining financial services, your journey starts here at Multitude.