Product Manager - Digital Lending

Muthoot Finance; Bengaluru; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

Muthoot Finance is seeking a Product Manager for Digital Lending to own the end‑to‑end digital lending journeys across Website, Mobile App, Field Sales Apps and Call Center systems, with a focus on Gold Loans and Property Loans.

You will collaborate with Engineering, Risk, Underwriting, Analytics and Operations to launch scalable journeys, track funnels, and optimize conversions while ensuring regulatory compliance.

Qualifications

• Direct Domain Experience: 2‑8 months of proven track record in execution and scaling of Gold Loan / Property Loan digital journeys from scratch.
• Core Banking & Lending Systems: Strong, hands‑on functional knowledge of LOS, LMS, and BRE.
• Technical Acumen: Understanding of digital lending architectures with the ability to read and integrate RESTful APIs.
• Data & Analytical Rigor: Proficiency in Excel/Sheets for funnel modeling and metrics.
• Execution Bias: Ability to design end‑to‑end journeys balancing user convenience and compliance.
• Technical Background (Preferred): Prior software development or coding experience on Web/Android is a plus.

Responsibilities

• End‑to‑End Journey Ownership: Conceptualize, build, launch, and scale digital lending journeys across Website, Mobile App, Field Sales Apps, and Call Center systems.
• Funnel Optimization & Analytics: Track acquisition, drop‑offs, conversions, and bottlenecks; design data‑driven improvements.
• Cross‑Functional Execution: Work with Engineering, Risk, Underwriting, QA, Analytics, and Ops to deliver releases within tight timelines.
• Vendor & Ecosystem Integrations: Partner with fintech vendors, aggregators, and APIs to scale lending capabilities.
• Market & Competition Mapping: Stay updated on digital lending trends, regulatory updates, and fintech innovations.

Skills

Gold loan / secured lending

End‑to‑end product ownership

REST APIs integration

Data analytics

Cross‑functional collaboration

Digital lending platforms

Education

Bachelor's/B.E./B.Tech in Engineering

MBA in Marketing/Finance

Tools

LOS (Loan Origination Systems)

LMS (Loan Management Systems)

BRE (Business Rule Engines)

Job description

Product Manager Digital Lending

MUTHOOT FINANCE | SECURED & GOLD LOANS VERTICAL

Location: Corporate Office, Bangalore (Bengaluru)

Work Model: 100% Work from Office (No WFH)

Employment Type: Full-Time | Permanent

Work Schedule: All Saturdays Working (Except 2nd & 3rd Saturday)

Mandatory Role Requirement: Candidates must have 12 to 18 months of hands‑on execution and scale‑up experience specifically in building Digital DIY, Call Center, and Assisted Sales journeys for Gold Loans or Property/Secured Loans from scratch.

Candidates with generic or traditional product management background need NOT apply.

ABOUT THE COMPANY & ROLE

Muthoot Finance is undergoing a large-scale digital transformation to expand and scale across its Secured and Unsecured lending verticals. The objective is to build sustainable, scalable business by leveraging the extensive branch network and acquiring new customer segments digitally.

This role owns the digital lending roadmap and omnichannel execution for Gold Loans and Secured Loans (Property Loans) targeting both self-employed and salaried borrower segments, with self-employed being the primary driver.

KEY RESPONSIBILITIES

End-to-End Journey Ownership: Conceptualize, build, launch, and scale best‑in‑class digital lending journeys across customer DIY channels (Website & Mobile App), Field Sales Mobile Apps, and Call Center systems.

Funnel Optimization & Analytics: Actively track full‑funnel acquisition, drop‑offs, conversion metrics, and operational bottlenecks. Rapidly design and execute data‑driven enhancements to improve conversions.

Cross‑Functional Execution: Work daily with Engineering, Risk, Underwriting, Quality Assurance/Testing, Analytics, and Business Operations to deliver product releases within strict Turnaround Times (TAT).

Vendor & Ecosystem Integrations: Partner with third‑party fintech vendors, aggregators, verification APIs, and technology platforms to scale lending capabilities.

Market & Competition Mapping: Maintain deep domain intelligence on competitive digital lending flows, emerging regulatory updates, and fintech innovations across the Indian NBFC landscape.

MANDATORY SKILLS & EXPERIENCE

Direct Domain Experience: 2-8 months of proven track record in execution and scaling of Gold Loan / Property Loan digital journeys from scratch.

Core Banking & Lending Systems: Strong, hands‑on functional knowledge of LOS (Loan Origination Systems), LMS (Loan Management Systems), and BRE (Business Rule Engines).

Technical Acumen: Practical understanding of digital lending architectures with the ability to read, review, and integrate RESTful APIs.

Data & Analytical Rigor: Advanced proficiency in Microsoft Excel / Google Sheets for funnel modeling, cohort tracking, and operational metrics.

Execution Bias: Proven ability to think through end‑to‑end customer, sales, and call center journeys balancing user convenience with backend technical compliance.

Technical Background (Preferred): Prior software development or coding experience on Web or Android platforms is an added advantage.

EDUCATIONAL QUALIFICATIONS

Undergraduate: Bachelor's Degree in Engineering (B.Tech / B.E.) from a reputed institution.

Postgraduate: MBA in Marketing and/or Finance from a recognized university or business school.