Product Manager Merchant Lending

About Us: Airtel Payments Bank, India's first payments bank is a completely digital and paperless bank. The bank aims to take basic banking services to the doorstep of every Indian by leveraging Airtel's vast retail network in a quick and efficient manner. At Airtel Payments Bank, we’re transforming the way banking operates in the country. Our core business is banking and we’ve set out to serve each unbanked and underserved Indian. Our products and technology aim to take basic banking services to the doorstep of every Indian. We are a fun-loving, energetic and fast growing company that breathes innovation. We encourage our people to push boundaries and evolve from skilled professionals of today to risk-taking entrepreneurs of tomorrow. We hire people from every realm and offer them opportunities that encourage individual and professional growth. We are always looking for people who are thinkers & doers; people with passion, curiosity & conviction; people who are eager to break away from conventional roles and do 'jobs never done before’. About Lending & Wealth Management Vertical Airtel Payments Bank’s Financial Services vertical focuses on building and scaling digital financial products for its large customer and merchant ecosystem. The portfolio includes unsecured Personal Loans, Merchant/Business Loans, secured lending products such as Gold Loans and Auto Loans, along with Wealth Management products including Fixed Deposits and DigiGold. The team works closely with leading Banks and NBFCs to build seamless digital referral and lending journeys, leveraging customer insights, transaction behavior, partner capabilities and technology to drive sustainable business growth. Key Responsibilities Lending Product Ownership Own the end-to-end product roadmap for lending products across Merchant/Business Lending and/or Personal Loans, from customer discovery and proposition design to launch, scale and continuous optimization. Understand the complete lending lifecycle including lead generation, eligibility, underwriting, servicing and collections. Growth & Funnel Management Identify funnel drop-offs and work with business, technology and lending partners to improve conversion and customer experience. Drive GTM initiatives across digital and assisted channels to improve product adoption and disbursals. Data & Lending Analytics Use data to identify high-potential customer/merchant segments and build targeting strategies. Track key product and business metrics such as approval rate, disbursal conversion, ticket size, repeat rate, portfolio mix, revenue and funnel performance. Partner & Ecosystem Management Work closely with Banks, NBFCs, fintech/lending partners and internal teams to co-create lending propositions and customer journeys. Translate business requirements into product and technology requirements while ensuring alignment across Product, Tech, Risk, Compliance, Operations and GTM teams. Product Development & Execution Own the product development lifecycle from problem definition and PRD creation to prioritization, development, UAT, launch and post-launch monitoring. Work closely with engineering teams using Agile/Scrum methodologies, ensuring requirements are technically feasible and delivered against agreed roadmaps. Required Qualifications & Skills 2–5 years of Product Management experience, preferably with meaningful experience in digital lending/fintech. Experience in Merchant/Business Lending (BL) and/or Personal/Consumer Lending (PL) strongly preferred. Strong understanding of digital lending journeys, customer funnels and partner-led lending models. Experience working with Banks/NBFCs, Credit/Risk, Technology and Operations teams is preferred. Strong analytical orientation with proficiency in Excel; working knowledge of SQL, JIRA and analytics/dashboarding tools would be advantageous. Comfortable working in a fast-paced environment involving multiple internal and external stakeholders. Why Join Us? Airtel Payments Bank is transforming from a digital-first bank to one of the largest Fintech company. There could not be a better time to join us and be a part of this incredible journey than now. We at Airtel payments bank don’t believe in all work and no play philosophy. For us, innovation is a way of life and we are a happy bunch of people who have built together an ecosystem that drives financial inclusion in the country by serving 300 million financially unbanked, underbanked, and underserved population of India. Some defining characteristics of life at Airtel Payments Bank are Responsibility, Agility, Collaboration and Entrepreneurial development : these also reflect in our core values that we fondly call RACE.. Show more Show less