Product Manager

FlexiLoans; Mumbai; On-site; INR 1,000,000 - 1,700,000; Full time

Job summary

FlexiLoans is seeking a Product Manager with 2–4 years of fintech experience to influence the product lifecycle. You will work with engineers to scope trade-offs, write clear specs, and drive adoption through data, experiments, and end-to-end product policy understanding.

You will own in-life experiences from origination to repayment, focusing on reducing friction and increasing customer value in a digital lending environment. Mumbai-based role.

Qualifications

• 2–4 years in full-time product lifecycle management.
• This is not a stretch role for transitions from engineering, consulting, or analytics.
• You can self-run data queries via SQL or analytics tools.
• You write clearly; muddy specs lead to muddy products.
• You’ve shipped to real users and learned from the results.
• You work with engineers to scope trade-offs and credible estimates.
• Adoption and depth of usage: understand why customers don’t default.
• In-life experience: post-approval customer interactions and billing clarity.
• Origination funnel: identify where leads leak and how to reduce friction.
• Product policy with credit and risk: translate into user navigation.
• Instrumentation: define events and cohorts to inform next steps.

Responsibilities

• Own backlog priorities with the Product Owner.
• Define metrics and run experiments to boost adoption.
• Collaborate with engineers to scope trade-offs and estimates.
• Translate policy, eligibility and risk into user-friendly flows.
• Instrument events and cohorts to guide product decisions.

Skills

Product lifecycle

SQL

Clear writing

User impact

Engineering collaboration

Usage adoption

Origination funnel

Policy & risk

Instrumentation

Education

MBA in Business Analytics

Bachelors in IT/CS

Tools

Amplitude

Mixpanel

CleverTap

Job description

FlexiLoans is a technology based Digital financing platform started with an endeavor to solve the problems that small businesses face in accessing Quick, Flexible and Adequate funds for growing their Businesses. Our vision is to give "Financial access at a click". Our talent pool has rockstars from diverse backgrounds - ex- Founders, investment bankers, e-commerce and payments with the passion to make a difference to the lives of 70 mn+ MSME businesses in India.

FlexiLoans.com is a pioneer in the ecosystem-based digital lending for small businesses in India. Till date, we have disbursed over 100,000+ loans worth over Rs. 5,000 Crs+ to small sized businesses across 3,200+ cities without having a single branch! We are the leaders in using technology and risk models that focus on alternate / surrogate methods for scoring customers. Our origination is 100% digital with over 100 embedded partnerships like Amazon, Flipkart, Nykaa, Paytm, Paisabazaar, META, etc. for providing credit access to MSME businesses.

Founded by CA/ISB alumni, FlexiLoans is funded by marquee funds and HNIs in the form of MAJ invest, Fasanara Capital, Sanjay Nayar (Founder - Sorin Investments, Chairman - KKR India and Ex-CEO, Citibank South Asia), Dr. Harry Banga (Founder, Caravel group), Yogesh Mahansaria (Founder, Alliance Tyres) Gunit Chaddha (Ex-CEO, Deutsche Bank, Asia Pacific), Anil Jaggia (Ex-CIO, HDFC Bank), Vikram Sud (Ex-COO, Kotak Mahindra Bank), Narayan Seshadri (Ex-Managing Partner, KPMG), Gopal Srinivasan (Chairman, TVS Capital) and Siddharth Parekh (Co-Founder, Paragon Partners) to name a few.

Our product offerings and value proposition can be accessed on our website: https://www.flexiloans.com/

A six-times certified ‘Great Place to work’ workplace, at FlexiLoans you will be working with top tier talent from diverse backgrounds hungry to make a dent in the MSME universe. We believe in people owning what you do and providing support to folks for making decisions (sometimes even wrong decisions!) all the while learning and growing with the organization. FlexiLoans is your front row seat to the MSME Fintech revolution in India!

The role in a gist:

FlexiLoans has lent to over 1,00,000 MSMEs across 300+ cities, almost all of it through one motion: a business needs capital, we underwrite, we disburse, they repay, and the relationship goes quiet. We're building a new product line on the belief that it shouldn't go quiet, approval rate stops being the north star, and most of our existing playbook doesn't transfer. You'll own it alongside the Product Owner - not executing a defined backlog, but deciding what the backlog should be.

What we are looking for in the role:

• 2-4 years of full-time product experience in product life cycle management
• This is not a stretch role for someone transitioning from engineering, consulting, or analytics
• You get to data yourself - your own SQL, or answers out of Amplitude / Mixpanel / CleverTap without joining a queue
• You write clearly. Muddy specs make muddy products
• You've shipped to real users and can talk honestly about what didn't work
• You work with engineers as peers: scope a trade-off, push back on an estimate that doesn't add up
• Adoption and depth of usage: why businesses don't make this their default, and the experiments that change it
• The in-life experience: everything after approval: how customers transact, whether they understand what they're being charged, and how they get back to a good state after a bad month
• The origination funnel: lead to approval, where it leaks, and how much friction each data pull (bureau, bank statement, GST) is actually worth
• Product policy, with Credit and Risk: translating eligibility, reviews and renewals into something a customer can navigate
• Instrumentation: the events and cohort views that make usage and repayment behaviour legible, and then using them to decide what's next

Qualification & Experience:

• MBA in Business Analytics, Marketing, or IT preferred. Bachelor's degree in Information Technology (IT), Computer Science, or related field
• Minimum 2-4 years of experience in fintech or lending background (NBFC, bank, LOS/LMS, payments, collections); a funnel metric you've owned and moved
• Not the role for someone who wants a roadmap handed to them, or who measures their contribution in tickets closed