Product Manager - LAP

Kissht; Mumbai; On-site; INR 1,800,000 - 3,000,000; Full time

Job summary

Kissht is seeking a Product Manager to own the LAP (Loan Against Property) product end-to-end, from problem framing to roadmap, to a shipped and measured outcome. You will drive specs, collaborate with engineering, and manage partnerships across the lending flow to ensure regulatory-compliant delivery.

You’ll use SQL and product analytics to uncover drop-offs and opportunities, and you’ll communicate with senior leadership with clear, decision-ready recommendations.

Qualifications

• 1.5–2 years in lending product or related field.
• Tech-first mindset with ability to read and challenge APIs and architecture.
• Strong data fluency and ability to map funnels via SQL.
• Good understanding of lending regulations and guardrails.
• Clear written communication and ability to structure problems.

Responsibilities

• Own the LAP product end-to-end from roadmap to measurable outcomes.
• Write clear specs and user stories for engineers.
• Use data to identify drop-offs and opportunities; define impact.
• Coordinate with Credit, Sales, Operations, and Compliance on flows.
• Manage external partners in the lending flow (credit bureau, KYC, etc.).
• Represent the borrower voice and present decisions to leadership.

Skills

Lending product

SQL

Data-driven decision making

Regulatory awareness

Stakeholder influence

Tools

Product analytics tools

API documentation reading

Job description

Own a core part of the LAP product end-to-end - from problem, to roadmap, to a shipped and measured outcome. LAP (Loan Against Property) is a secured-lending product - larger loans, longer timelines, and real operational, credit, and regulatory complexity. As PM, you'll own a slice of it - the customer journey from application to disbursal, onboarding and verification, or a brand-new feature - and be accountable for its outcome. You'll set the roadmap, write the specs, drive engineering, manage the partners in the flow, and bring leadership clear recommendations.

Key Responsibilities:

• The roadmap and outcomes for your area — turning business goals into a prioritized, defensible plan.
• Clear product specs and user stories; breaking ambiguous problems into shippable pieces.
• Your own data. Pull and interrogate it yourself (SQL, product analytics tools) to find where customers drop off, size opportunities, and prove impact — without waiting on an analyst.
• Flows that survive the real world — designed hand-in-hand with Credit, Sales, Operations, and Compliance.
• The external partners and vendors that sit inside the lending flow — evaluating, negotiating, and managing them (e.g. credit bureau, KYC/video-verification, digital signing, auto-debit mandates, banking and valuation partners).
• The voice of the borrower — including the cases where agents or channel partners sit between us and the customer.
• Direct working relationships with senior leadership, bringing them structured, decision-ready thinking.

What we're looking for (must-haves)

• 1.5–2 years in lending product, within a broader product/analytics background. Secured-lending experience is a strong plus.
• Tech-first. You read technical/API documentation on your own, challenge engineering on how things are built, and reason about trade-offs - not just the screens.
• Data-fluent. You can write or read SQL and build a drop-off funnel yourself.
• Regulatory instinct. You understand how lending regulations (KYC norms, video verification, loan-pricing and fee disclosures, fair lending practices) shape what you can ship — and you design with those guardrails in mind.
• Strong written structuring. You turn a messy problem into a clear one-pager.
• High ownership, street-smart, a genuine go-getter. Comfortable in ambiguity, biased to ship, and you close loops without being chased.
• Influence without authority across Sales, Credit, and Operations.

About Kissht:

Kissht is a Great Place to Work® certified consumer-first credit app transforming the landscape of

consumer lending through data and machine-based decisioning. Serving over 15 million customers, including a significant share from Tier-2 cities and beyond, Kissht offers short-term and long-term loans for personal, business, and recurring needs.

Founded by IIT and IIM alumni and backed by leading investors such as Endiya Partners, Brunei Investment Authority, and the Singapore Government, Kissht is among India’s fastest growing fintech companies. Join us to be part of a dynamic and innovative organization shaping the future of financial technology.