Product Manager - Lending

iServeU; Khordha; On-site; INR 1,800,000 - 3,200,000; Full time

Job summary

iServeU in India is seeking a Product Manager – LOS/LMS to own the full product lifecycle of loan origination and loan management systems. You will partner with banks, NBFCs, fintechs, and implementation teams to translate business needs into scalable features and ensure successful delivery.

The role requires deep knowledge of digital lending workflows, strong hands-on LOS/LMS experience, and the ability to craft PRDs, BRDs, and user stories.

Qualifications

• 4–8 years of experience in Product Management / Product Development within Banking, Fintech, NBFC, Digital Lending, or Financial Services.
• Strong hands‑on experience with LOS and/or LMS products.
• Good understanding of the end-to-end digital lending lifecycle.
• Experience working with banks, NBFCs, fintechs, or financial institutions.
• Strong understanding of lending products such as Personal Loans, Business Loans, Consumer Loans, MSME Loans, Digital Loans, and Merchant/SME Lending.
• Knowledge of credit underwriting, loan processing, risk assessment, repayment, collections, and loan servicing.
• Experience in API-based integrations and fintech/banking ecosystems.
• Strong understanding of product discovery, roadmap planning, prioritization, and Agile methodologies.
• Ability to create PRDs, BRDs, user stories, process flows, and functional specifications.

Responsibilities

• Own the product roadmap and lifecycle for LOS and LMS lending solutions.
• Understand lending requirements of banks, NBFCs, fintechs, and translate them into product features.
• Define product vision, strategy, roadmap, and prioritization based on market and customer requirements.
• Gather and analyse requirements from business, clients, operations, risk, credit, and technology stakeholders.
• Create detailed PRDs, user stories, functional specifications, process flows, and acceptance criteria.
• Design and improve end-to-end lending journeys covering onboarding, loan application, KYC and verification, credit assessment, bureau integration, policy/rule engine, credit decisioning, document management, sanction and approval, disbursement, repayment, collections, loan servicing, and closure.
• Work with engineering, QA,UI/UX, implementation, and business teams to ensure timely product delivery.
• Define and manage integrations with credit bureaus, KYC providers, e-sign/e-NACH, payment gateways, banking systems, APIs, and other fintech ecosystem partners.
• Work on configurable lending journeys to support different lending products and client-specific business rules.
• Collaborate with risk and credit teams to incorporate credit policies, eligibility rules, scoring, decisioning, and approval workflows.
• Analyse customer feedback, market trends, and competitor offerings to identify opportunities for product enhancements.
• Support client discussions, product demonstrations, requirement workshops, and solutioning for banks and fintech customers.
• Track product performance through relevant KPIs, adoption metrics, customer feedback, and business outcomes.
• Coordinate with implementation and support teams for product rollout, issue resolution, and continuous improvement.
• Ensure products comply with applicable banking, lending, KYC, data security, and regulatory requirements.
• Act as the key product owner and subject-matter expert for LOS/LMS solutions.

Skills

Product management

Digital lending

Stakeholder management

Agile methodologies

Requirement gathering

PRD/BRD creation

Communication

Education

Bachelor's degree in Engineering, Technology, Business, Finance

Tools

LOS/LMS

APIs

Job description

Job Description

Location: Bhubaneswar /Bangalore / Mumbai

Experience: 2+ years

Department: ProductManagement

Industry: Fintech /Banking / Digital Lending

AboutiServeU

Company Introduction

iServeU is a modern banking infrastructure provider in APAC region, empowering financialenterprises with embedded fintech solutions for their customers. iServeU is one of the fewcertified partners with National Payment Corporation of India (NPCI), VISA for variousproducts. iServeU also provides a cloud-native, micro services-enabled, distributed platformwith over 5000 possible product configurations with a low code/no code interface to banks,NBFCs, Fintech, and other regulated entities.

• We process around 2500 transactions per second by levering distributed & auto scaletechnology like K8.
• Our core platform combines of 1200+ micro services.
• Our customer list includes Fintech start-ups, top tier private banks to PSU bank. We operate infive countries and help customers constantly change the way financial institutions operate andinnovate.
• Our solutions currently empowers over 20 banks and 250+ enterprises across India andabroad.
• Our platform seamlessly manages the entire transaction lifecycle, including withdrawals,deposits, transfers, payments, and lending through various channels like digital, branch, agents.

Our team of 500+ employees, with over 80% in technology roles is spread across offices in Bhubaneswar, Bangalore and Delhi. We have raised $8 million in funding to support our growthand innovation.

For more details visit: www.iserveu.in

Requirements

RoleOverview

As a Product Manager – LOS/LMS, you willown and drive the product lifecycle of Loan Origination System (LOS) and LoanManagement System (LMS) solutions. You will work closely with banks, fintechs,technology teams, business stakeholders, and implementation teams to defineproduct strategy, translate business requirements into scalable productfeatures, and ensure successful product delivery.

The ideal candidate should have strongknowledge of digital lending, lending workflows, LOS/LMS platforms, creditprocesses, and banking/fintech products.

KeyResponsibilities

• Own the product roadmap andlifecycle for LOS and LMS lending solutions.
• Understand lending requirementsof banks, NBFCs, fintechs, and financial institutions and translate them intoproduct features.
• Define product vision,strategy, roadmap, and prioritization based on market and customerrequirements.
• Gather and analyse requirementsfrom business, clients, operations, risk, credit, and technology stakeholders.
• Create detailed PRDs, userstories, functional specifications, process flows, and acceptance criteria.
• Design and improve end-to-endlending journeys covering customer onboarding, loan application, KYC andverification, credit assessment, bureau integration, policy/rule engine, creditdecisioning, document management, sanction and approval, disbursement, repayment,collections, loan servicing, and closure.
• Work with engineering, QA,UI/UX, implementation, and business teams to ensure timely product delivery.
• Define and manage integrationswith credit bureaus, KYC providers, e-sign/e-NACH, payment gateways, bankingsystems, APIs, and other fintech ecosystem partners.
• Work on configurable lendingjourneys to support different lending products and client-specific businessrules.
• Collaborate with risk andcredit teams to incorporate credit policies, eligibility rules, scoring,decisioning, and approval workflows.
• Analyse customer feedback,market trends, and competitor offerings to identify opportunities for productenhancements.
• Support client discussions,product demonstrations, requirement workshops, and solutioning for banks andfintech customers.
• Track product performancethrough relevant KPIs, adoption metrics, customer feedback, and businessoutcomes.
• Coordinate with implementationand support teams for product rollout, issue resolution, and continuousimprovement.
• Ensure products comply withapplicable banking, lending, KYC, data security, and regulatory requirements.
• Act as the key product ownerand subject-matter expert for LOS/LMS solutions.

RequiredSkills & Experience

• 4–8 years of experience inProduct Management / Product Development within Banking, Fintech, NBFC, DigitalLending, or Financial Services.
• Strong hands‑on experience withLOS and/or LMS products.
• Good understanding of the end-to-end digital lending lifecycle.
• Experience working with banks,NBFCs, fintechs, or financial institutions.
• Strong understanding of lendingproducts such as Personal Loans, Business Loans, Consumer Loans, MSME Loans,Digital Loans, and Merchant/SME Lending.
• Knowledge of creditunderwriting, loan processing, risk assessment, repayment, collections, andloan servicing.
• Experience in API-basedintegrations and fintech/banking ecosystems.
• Strong understanding of productdiscovery, roadmap planning, prioritization, and Agile methodologies.
• Ability to create PRDs, BRDs,user stories, process flows, and functional specifications.
• Strong analytical,problem-solving, stakeholder-management, and communication skills.
• Ability to work effectivelywith both business and technology teams.

Good toHave

• Experience in building orimplementing digital lending platforms for banks/NBFCs/fintechs.
• Exposure to creditdecisioning/rule engines and underwriting platforms.
• Knowledge of Bureau APIs, KYC,e-sign, e-NACH, Account Aggregator (AA), UPI, payment, and bankingintegrations.
• Understanding of cloud-based,API-first, and microservices-based fintech platforms.
• Experience in B2B/B2B2C fintechproduct management.
• Experience working withenterprise clients and managing multiple stakeholders.

Education

Bachelor’s degree in Engineering,Technology, Business, Finance, or a related field. An MBA in Finance,Technology, or Business Management would be an added advantage.

What You’llGet at iServeU

• Opportunity to build and scaledigital lending products for banks and fintechs.
• Exposure to large-scale bankingand fintech ecosystems.
• Opportunity to work withcross-functional teams across product, technology, business, andimplementation.
• A fast-paced environmentfocused on innovation in financial services.
• Opportunity to work on productsimpacting millions of financial-service users.