Product Manager - Credit Builder

Ropay Limited Liability Partnership; Bengaluru; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Ropay Limited Liability Partnership is building a Credit Builder product in Bengaluru. You will own the roadmap, collaborate with cross-functional teams, and drive data-driven improvements to credit outcomes and user activation.

Role involves AI-enabled features, experimentation, and working with data science, engineering and design teams to ship consumer fintech products at scale.

Qualifications

• 3+ years in product management, fintech or credit products.
• Strong knowledge of credit scoring mechanics (FICO, VantageScore).
• Experience collaborating with ML/data science, UI/UX and backend teams.
• Proficient in Python, SQL, Excel for experimentation and data analysis.
• Experience shipping consumer mobile apps at scale.

Responsibilities

• Own the Credit Builder product roadmap and prioritize features.
• Define success metrics and track impact on credit outcomes and activation.
• Lead customer discovery with underbanked users and translate needs into opportunities.
• Collaborate with engineers, data scientists, designers to launch features.
• Drive A/B testing and experiments on onboarding, nudges and reporting.
• Ensure data quality across third-party sources and logic.
• Oversee AI integration strategy and evaluation criteria.
• Ensure fairness, explainability and regulatory compliance for AI features.
• Instrument telemetry to measure recommendations and user trust.

Skills

Product Management experience

Credit scoring

ML collaboration

Mobile app experience

Python

SQL

Excel

Job description

Core responsibilities

A) Product ownership

• Own the Credit Builder product roadmap prioritise features that directly improve credit score outcomes, user retention, and activation rates for new-to-credit and credit-repair segments
• Define and track the right success metrics: credit score improvement rates, on-time payment rates, product engagement and churn metrics
• Lead deep customer discovery with underbanked, credit-thin, and rebuilding-credit consumers. Translate nuanced financial anxieties into product opportunities and work closely with the marketing team to tap into the right customer cohort and align product roadmap
• Work closely with Third parties , Backend engineers, Data scientists , UI designers and front end developers to launch new features and monitor closely on Key KPIs defined for success
• Drive the full experimentation program hypothesis-driven A/B tests on onboarding, repayment nudges, Credit building tips, and reporting features.
• Closely monitor the Data sanity across the third party data source and the features logic
• Conduct regular product market fit research to continuously evolve the product
• Owning the User communication front - Campaign on Email / Push notifications/ SMS etc .

B) AI layer integration

• Define the AI product strategy for Credit Builder: identify which user problems are best solved through intelligent automation, personalization, or predictive nudging — and build the roadmap accordingly
• Partner with data science and ML engineers to design, ship, and iterate on AI-driven features: personalized credit coaching, smart repayment reminders, risk-adjusted limit graduation, and behavior-based interventions
• Own the quality bar for AI outputs — define what “good” looks like for model recommendations, set evaluation criteria, and hold the team accountable to user outcomes, not just model metrics
• Ensure AI features meet fairness, explainability, and compliance standards. Work with legal and risk to audit models for bias and document decisions for regulators
• Instrument AI features with the right telemetry — track recommendation acceptance rates, downstream score impact, and user trust signals to drive continuous improvement

Must have

• 3+ years in product management - consumer fintech, lending, or credit product background is preferable
• Strong grasp of credit scoring mechanics (FICO, VantageScore)
• Hands-on experience working alongside ML or data science , UI / design teams and backend engineering teams
• Comfort with Python , SQL, Excel experimentation, and outcome-driven metrics
• Experience shipping consumer mobile at scale

Nice to Have

• Experience with secured cards, credit-builder loans, or BNPL
• Worked with alternative credit data (rent, utilities, payroll)
• Shipped AI/ML-powered features in a consumer product context
• Familiarity with model cards, bias audits, or responsible AI practices
• Experience at a neobank, CDFI, or credit union