Product Manager

1 Finance; Mumbai; Presencial; INR 600.000 - 900.000; Jornada completa

Descripción de la vacante

1 Finance is seeking an experienced Lending Operations professional to map end-to-end borrower and lender journeys, write PRDs and process flows, and own SOPs covering disbursement, escrow flows, repayment allocation, reconciliation and lender settlements.

You will collaborate across Product, Tech, Credit, Compliance, Finance and Customer Support to drive automation, ensure RBI NBFC-P2P compliance, and deliver audit-ready documentation and dashboards for portfolio performance and disbursement

Formación

• 3-6 years in lending operations, product operations or process roles at an NBFC, fintech, P2P platform or bank.
• Experience writing SOPs, process flows or PRDs and working closely with tech teams.
• Strong Excel / Google Sheets skills; comfortable building MIS and reading data.

Responsabilidades

• Map and document end-to-end journeys for borrowers and lenders: sign-up, KYC, Account Aggregator linking, BQS assessment, loan listing, lender matching, e-agreement, disbursement, EMI collection and lender payouts.
• Write clear PRDs, user stories and process flows for new features and changes; collaborate with Tech for build and testing (UAT).
• Own loan operations SOPs – disbursement, escrow/nodal account fund flows, repayment allocation, reconciliation and lender settlements.
• Coordinate with collections and recovery partners on overdue cases and maintain timely MIS.
• Identify manual steps and drive automation with Tech and vendor partners.
• Ensure RBI Master Directions compliance for NBFC-P2P – exposure limits, escrow rules, fund-transfer timelines, disclosures and Fair Practices Code.
• Maintain audit-ready documentation and support regulatory audits and reporting.
• Build maker-checker controls and exception tracking into key ops processes.
• Build dashboards and reports on disbursement volumes, portfolio performance, DPD buckets, TAT and customer issues.
• Act as the bridge between Product, Tech, Credit, Compliance, Finance and Customer Support.
• Manage integrations and SLAs with banks, Account Aggregators, KYC/bureau providers, payment gateways and e-sign vendors.

Conocimientos

Graduate in any discipline

3-6 years in lending operations

Experience writing SOPs/PRDs

Strong Excel/Google Sheets

Clear written communication

Educación

MBA / PGDM (Finance, Operations or Product) preferred

Herramientas

Excel

Google Sheets

Descripción del empleo

• Map and document end-to-end journeys for borrowers and lenders: sign-up, KYC, Account Aggregator bank linking, BQS™ assessment, loan listing, lender matching, e-agreement, disbursement, EMI collection and lender payouts
• Write clear PRDs, user stories and process flows for new features and process changes; work with Tech to get them built and tested (UAT)
• Own loan operations SOPs – disbursement, escrow/nodal account fund flows, repayment allocation, reconciliation and lender settlements
• Coordinate with collections and recovery partners on overdue cases and maintain clean timely MIS
• Identify manual steps and drive automation with Tech and vendor partners
• Make sure processes follow RBI Master Directions for NBFC-P2P – lender/borrower exposure limits, escrow rules, fund-transfer timelines, disclosures and Fair Practices Code
• Maintain audit-ready documentation and support internal, statutory and RBI audits and regulatory reporting
• Build maker-checker controls and exception tracking into key ops processes.
• Build dashboards and reports on disbursement volumes, portfolio performance, DPD buckets, TAT and customer issues
• Act as the bridge between Product, Tech, Credit, Compliance, Finance and Customer Support.
• Manage integrations and SLAs with partners – banks, Account Aggregators, KYC/bureau providers, payment gateways and e-sign vendors

Skills

• Graduate in any discipline; MBA / PGDM (Finance, Operations or Product) preferred.
• 3-6 years in lending operations, product operations or process roles at an NBFC, fintech, P2P platform or bank.
• Clear understanding of the digital loan lifecycle – onboarding, KYC, underwriting, disbursement, collections and reconciliation.
• Experience writing SOPs, process flows or PRDs and working closely with tech teams.
• Strong Excel / Google Sheets skills; comfortable building MIS and reading data.
• Structured thinking, attention to detail and clear written communication.