Product Manager - LMS/LOS

BIZ2X Platform Private Limited; Dadri; On-site; INR 2,400,000 - 3,800,000; Full time

Job summary

BIZ2X Platform Private Limited in India seeks a Senior Product Manager for its SaaS Loan Management System (LMS). You will shape product strategy for personal, business, SCF, vehicle loans, and credit lines, ensuring regulatory alignment in India, the US, and GCC.

Lead end-to-end lifecycle, drive AI-enabled underwriting, credit scoring, and predictive risk models, and coordinate with data science to improve model governance. API-first lending journeys with partners are emphasized.

Qualifications

• B.Tech/B.E./MBA/M.Tech with 60%+ throughout academics.
• 3–10 years in product management, fintech or SaaS.
• Experience shipping AI-powered features in lending is a plus.

Responsibilities

• Define LMS product vision and strategy across geographies.
• Oversee end-to-end lifecycle and roadmap prioritization.
• Collaborate with data science for AI features and risk models.
• Ensure regulatory compliance across RBI/CFPB/GCC.

Skills

AI/ML in lending

Lending domain

Product leadership

SaaS platforms

Regulatory compliance

Education

B.Tech / B.E. / MBA / M.Tech

Tools

AWS

RDS

Redis

PostgreSQL/MySQL

Job description

Job Description: Product Manager/ Senior Product Manager LMS /LOS

Role Overview:

As the Senior Product Manager, you will play a pivotal role in shaping and leading our SaaS-based Loan Management System (LMS) initiatives. This role demands a strategic thinker with a deep understanding of lending products, regulatory compliance across global geographies, and modern AI driven financial capabilities. You will drive product vision, strategy, and execution for LMS across diverse loan products—personal loans, business loans, supply chain finance (SCF), vehicle loans, and lines of credit—while ensuring compliance with regulatory frameworks in India, US, and GCC regions.

Key Roles & Responsibilities

Product Vision & Strategy

• Develop and communicate a compelling LMS product vision aligned with company mission and strategic objectives.
• Create and execute a comprehensive product strategy to drive adoption and growth across multiple geographies.
• AI & API Strategy: Define product strategy for AI-driven lending capabilities — including automated underwriting, credit scoring, and predictive risk models — and for embedded/API first lending journeys that allow partners to originate loans within their own platforms.

Product Development & Roadmap

• Oversee the end-to-end product lifecycle, ensuring timely delivery of high-quality features.
• Lead roadmap planning and prioritization, balancing customer needs, compliance requirements, and business impact.
• Automation Prioritization: Prioritize automation capabilities (underwriting, fraud detection, collections) on the roadmap alongside core LMS features, balancing speed of delivery with model governance and explainability requirements.
• Leverage Agile development best practices to ensure iterative and scalable delivery.

Data-Driven Decision Making

• Utilize analytics and KPIs to measure product performance and inform strategic decisions.
• Predictive Analytics: Drive adoption of predictive analytics for early risk detection and proactive collections, moving the platform from reporting what has already happened to anticipating borrower behavior ahead of time.
• Data Science Collaboration: Partner with data science teams to define training data requirements, evaluate model performance, and build feedback loops for continuous improvement of AI-driven features.

Risk & Compliance Ensure adherence to regulatory frameworks (RBI, CFPB, GCC central banks):

• India: Ensure compliance with RBI's Default Loss Guarantee (DLG/FLDG) norms, Lending Service Provider obligations, and alignment with the Fintech Association for Consumer Empowerment (FACE) as the recognized self-regulatory body for digital lending.
• US: Track the evolving status of CFPB rules on open banking (Section 1033) and AI-related lending regulation, building products with the flexibility to adapt as these rules change.
• GCC: Work with relevant central bank requirements (e.g., SAMA, CBUAE) as the product expands into those geographies.
• Identify and mitigate risks to keep the product roadmap aligned with compliance and business goals.

Market Research & User Experience

• Perform competitor mapping and market analysis to identify opportunities and gaps.
• Champion a customer-first approach, ensuring seamless loan journeys across secured, unsecured, line of credit, and SCF loans.
• Conduct product demos for C-suite executives and client stakeholders.

Cross-Functional Collaboration & Leadership

• Partner with engineering, design, compliance, and sales teams to deliver integrated product solutions.
• Act as a product SME, supporting internal teams with product knowledge transfer, training, and client communications.
• Mentor junior PMs and foster a culture of innovation, accountability, and customer empathy.

Desired Candidate Profile Education

• B.Tech / B.E. / MBA / M.Tech (full-time preferred, minimum 60% throughout academic career).

Experience

• 3-10 years of Product Management experience, with at least 1–10 years in fintech, lending, or SaaS platforms.
• Prior experience managing loan products or end-to-end product lifecycle in BFSI/Fintech.
• Strong exposure to consumer/business-facing internet products, shipping features at scale. Preferred: Experience shipping AI-powered features in a production lending or financial services product is a strong plus.

Skills & Competencies

• AI/ML Domain Knowledge: Working knowledge of AI/ML concepts as applied to lending — credit scoring models, automated underwriting, fraud detection — along with an understanding of responsible AI principles (explainability, bias mitigation, model risk management).
• Core Lending Mastery: Deep understanding of loan origination, servicing, and collections processes.
• Technical Acumen: Familiarity with microservices-driven architecture and cloud platforms (AWS, RDS, Redis, PostgreSQL/MySQL).
• Leadership & Mindset: Strategic ownership mindset with strong analytical skills, stakeholder management, and team leadership experience (3+ members).
• Certifications: Agile/SCRUM certifications preferred.