Product Manager- Unsecured Lending

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

Job summary

Jupiter in Bengaluru is hiring a Product Manager - Unsecured Lending to own the end-to-end lending lifecycle, from origination to repayment, across personal loans and future credit constructs. You will collaborate with engineering, credit, data science, and risk teams to deliver scalable, compliant, and customer-centered lending experiences while driving key metrics and risk controls under RBI guidelines.

You will champion user empathy, leverage data funnels, and define success metrics such as

Qualifications

• 2-4 years of product management experience, preferably in fintech, digital lending, or credit products.
• Strong grasp of the digital lending lifecycle, user acquisition, e-KYC, underwriting, disbursal, servicing, and collections.
• Working experience on LMS and LOS is a must.
• Familiarity with credit bureau APIs (CIBIL, Experian) and risk decision engines.
• Data-driven mindset with proven ability to use analytics for decision-making.
• Experience collaborating with engineering and design teams in fast-paced environments.
• Understanding of RBI regulations, KFS requirements, and digital lending guidelines.
• Strong problem-solving ability, ownership, and clarity of thought.

Responsibilities

• Own the end-to-end lending product lifecycle, from conceptualization, design, and build to launch and scale.
• Deep-dive into data and funnels to identify friction points, improve conversions, and reduce drop-offs.
• Build and enhance user journeys across loan origination, KYC, underwriting, disbursal, repayment, and collections.
• Work cross-functionally with engineering, credit, compliance, and risk to deliver compliant and high-impact product outcomes.
• Collaborate with risk and data teams to design smarter underwriting logic, improve approval rates, and maintain portfolio quality.
• Stay compliant and audit-ready by ensuring alignment with RBI's Digital Lending Guidelines and Fair Practices Code.
• Define success metrics - activation rate, approval %, NPA %, ROA, funnel conversion, and improve them continuously.
• Champion user empathy - build for real user credit needs, not just numbers.

Skills

Product management

Fintech

Data analysis

Lending lifecycle

Cross-functional collaboration

Risk & compliance understanding

Tools

LMS

LOS

Credit bureau APIs

Job description

Money. A subject that's always on our mind. At Jupiter, our mission is to help people build a better relationship with money - simple, transparent, and empowering.

We're a financial services platform that brings banking, lending, and investments together in one intuitive, tech-first experience. From savings and credit cards to instant personal loans and SIPs, everything we build is designed to help users manage and grow their money effortlessly.

Founded in 2019 by Jitendra Gupta (ex-Citrus Pay), Jupiter has grown to over 2.7 million users, backed by a strong portfolio of lending, rewards, and wealth products. With offerings like the Edge RuPay Credit Card, No-Penalty SIPs, and Daily SIPs, we continue to push boundaries in digital finance.

About the Role

We are looking for a Product Manager - Unsecured Lending to drive the evolution of Jupiter's lending stack across personal loans, salary advances, and future credit constructs.

This role demands deep product ownership and execution depth from crafting a frictionless user journey to solving risk, compliance, and growth problems with product thinking. You'll work closely with engineering, credit, data science, and risk teams to deliver scalable, compliant, and customer-obsessed lending experiences.

What You'll Do

• Own the end-to-end lending product lifecycle, from conceptualization, design, and build to launch and scale.
• Deep-dive into data and funnels to identify friction points, improve conversions, and reduce drop-offs.
• Build and enhance user journeys across loan origination, KYC, underwriting, disbursal, repayment, and collections.
• Work cross-functionally with engineering, credit, compliance, and risk to deliver compliant and high-impact product outcomes.
• Collaborate with risk and data teams to design smarter underwriting logic, improve approval rates, and maintain portfolio quality.
• Stay compliant and audit-ready by ensuring alignment with RBI's Digital Lending Guidelines and Fair Practices Code.
• Define success metrics - activation rate, approval %, NPA %, ROA, funnel conversion, and improve them continuously.
• Champion user empathy - build for real user credit needs, not just numbers.

What You'll Bring

• 2-4 years of product management experience, preferably in fintech, digital lending, or credit products.
• Strong grasp of the digital lending lifecycle, user acquisition, e-KYC, underwriting, disbursal, servicing, and collections.
• Working experience on LMS and LOS is a must.
• Familiarity with credit bureau APIs (CIBIL, Experian) and risk decision engines.
• Data-driven mindset with proven ability to use analytics for decision-making.
• Experience collaborating with engineering and design teams in fast-paced environments.
• Understanding of RBI regulations, KFS requirements, and digital lending guidelines.
• Strong problem-solving ability, ownership, and clarity of thought.

Why Jupiter

• Work at the intersection of technology and finance, shaping the future of digital lending in India.
• Ownership from day one you define, build, and scale the product.
• Collaborate with industry-leading product, risk, and data teams.
• A culture that rewards initiative, speed, and learning over hierarchy.