Senior Product Manager - Credit

Vegapay; Gurugram District; On-site; INR 3,000,000 - 5,500,000; Full time

Job summary

You will lead cross-functional teams, define APIs and data models, and create reusable platform capabilities to serve multiple customers. This role requires strong analytical skills and independent execution in a fast-moving fintech environment.

Qualifications

• 5+ years of Product Management experience in fintech, banking, or B2B SaaS.
• Experience building configurable products or platforms serving multiple customers.
• Strong understanding of APIs, integrations, system architecture, and data flows.
• Hands-on experience with credit, lending, or payments platforms is a plus.

Responsibilities

• Own product vision, strategy, roadmap, and outcomes for platform areas.
• Build products across credit, lending, payments, and banking infrastructure.
• Design configurable workflows for onboarding, underwriting, billing, and settlements.
• Collaborate with banks, NBFCs, fintechs, and enterprises to translate requirements into scalable capabilities.

Skills

Product management

Fintech

Banking infra

APIs

Stakeholder mgmt

Analytical skills

Strategic thinking

Cross-functional leadership

Customer discovery

Tools

APIs

Platform architecture

Job description

Job Description

The Impact You’ll Drive

We are seeking a Senior Product Manager to own critical areas of our credit and banking platform. You will work across product strategy, customer discovery, platform design, and execution to build scalable financial infrastructure for banks, NBFCs, fintechs, and enterprises.

The Hats You Will Wear

• Own product vision, strategy, roadmap, and outcomes for one or more areas of the platform.
• Build and evolve products across Credit Cards, Credit Lines, BNPL, Lending, Embedded Credit, Payments, and Banking Infrastructure.
• Design configurable workflows across onboarding, underwriting, decisioning, billing, repayments, collections, reconciliation, and settlement.
• Work directly with banks, NBFCs, fintechs, and enterprise customers to understand requirements and translate them into scalable platform capabilities.
• Partner with engineering, design, risk, compliance, operations, and implementation teams to take products from discovery to production and scale.
• Define APIs, workflows, rules, configurations, integrations, and data models in collaboration with engineering.
• Identify common customer requirements and turn them into reusable platform capabilities rather than bespoke solutions.
• Define product metrics and use customer feedback and data to drive continuous improvement.
• Make product trade-offs across customer needs, business impact, technical complexity, scalability, and regulatory requirements.

The Perfect Fit

• 5+ years of Product Management experience, preferably in fintech, banking, lending, payments, or B2B SaaS.
• Hands-on experience building products in credit, lending, banking infrastructure, payments, or financial services.
• Strong understanding of financial product lifecycles and operational workflows.
• Experience working with banks, NBFCs, fintechs, or financial institutions.
• Experience building configurable products or platforms serving multiple customers.
• Strong understanding of APIs, integrations, system architecture, and data flows.
• Ability to translate complex business problems into simple, scalable product solutions.
• Strong analytical, communication, and stakeholder-management skills.
• Comfortable operating independently in fast-moving environments.
• Strong ownership mindset with the ability to drive problems from definition to execution and outcomes.

Your Edge Over The Rest

• Experience with LOS/LMS, underwriting, decision engines, KYC, bureau, payments, ledger, or collections.
• Understanding of RBI regulations relevant to lending, credit, payments, and KYC.
• Experience building APIs, configurable workflows, or platform products.
• Experience taking products from 0→1 and 1→N.
• Experience working with enterprise customers and senior stakeholders.
• Experience mentoring PMs or influencing product direction across teams.

The Problem We’re Solving

Financial institutions today are held back by legacy systems that are slow, rigid, and expensive to scale. Launching or evolving credit, lending, and UPI products often takes months, requires heavy engineering effort, and limits the ability to create personalized customer experiences.

At the same time, customer expectations have changed - speed, flexibility, and tailored financial products are no longer optional. Banks and fintechs need infrastructure that allows them to innovate quickly, adapt continuously, and scale without friction.

This is where we come in.

At Vegapay, we are building modern, configurable fintech infrastructure that enables banks, NBFCs, and enterprises to design, launch, and manage credit and payment programs with ease. Our platform brings together flexibility, speed, and control - helping our partners unlock new growth opportunities and deliver personalized banking experiences at scale.

The Opportunity Ahead

• Build and scale products powering the future of digital lending for banks and NBFCs
• Work at the intersection of fintech innovation and regulated banking infrastructure
• High ownership role with end-to-end product responsibility
• Opportunity to solve complex, real-world problems in credit, underwriting, and onboarding
• Collaborate closely with experienced leaders across product, banking, and fintech ecosystems
• Fast-paced, execution-driven culture where your work directly impacts business outcomes
• Be part of a growing fintech shaping next-gen credit infrastructure in India

Requirements