In this role, you have the opportunity to ..

Develop and execute strategy for a product. Manage mid/high complexity product independently with limited manager support. As a Senior Product Manager, you will play a crucial role in collaborating with the Risk team to build cutting-edge tools and solutions that optimize debt collections and reduce credit losses. Your expertise in collections processes, delinquency management, and credit risk mitigation strategies will be instrumental in driving the success of our collections initiatives.

Responsibilities will include

Functional Expertise

1. Define and execute product strategy and roadmap in alignment with company vision and objectives. Work closely with stakeholders to understand collections and risk objectives and translate them into clear and actionable product requirements. Prioritize features and functionalities that align with business goals and customer needs.

2. Identifies and solves problems at the functional level while influencing beyond own area of control. Demonstrate a deep understanding of collections and delinquency management processes, from early intervention strategies to late-stage legal collections. Develop solutions that address the various stages of collections and enhance efficiency.

3. Drives process improvements at product level

4. Ensure successful product launches and high adoption rates. Leverage data, analytics, and tools to identify high-risk accounts and intervene early. Develop risk mitigation tools to minimize credit losses and improve overall portfolio performance.

Problem Solving

1. Display Customer centric mindset

2. Is able to understand customer problems and develop innovative solutions

3. Conduct market and competitive analysis to identify opportunities for growth and differentiation 4. Develop and implement go-to-market strategies, working with all departments to execute

5. Track product performance using relevant KPIs. Analyze product usage data to drive product improvements

Interaction:

1. Manage simple stakeholder relationships with support from the manager. Partner with the Risk and Engineering teams to design, develop, and optimize collections solutions. Foster effective communication between cross-functional teams to ensure successful product delivery

2. Awareness of overall business context

3. Excellent presentation and communication (written and verbal) skills

4. Act as a mentor for APM/Product Managers

5. Collaborate with cross-functional teams, including engineering, design, operations, marketing, and sales, to guide products from conception to launch

To succeed in the role

Impact

● Develop and execute strategy for a product & manage mid/high complexity product independently with limited manager support. Impact collections processes, delinquency management, and credit risk mitigation strategies to ensure the success of our collections initiatives.

Challenges & Decisions

● Strong analytical application—specifically demonstrating excellent problem solving skills with complex data.

Qualification & Experience (type & industry)

● BE/B.Tech or equivalent Degree. MBA is good to have

● 4-7 Yrs of experience

● Demonstrated experience as a Product Manager, particularly in the collections or financial services domain. Previous work with Risk and Engineering teams is highly desirable.

● Collections and Risk Expertise: Solid understanding of collections processes, delinquency management, and credit risk mitigation strategies. Experience in the lending industry or related financial services is preferred.

Skills & know-how

● Excellent organization skills, ability to lead multiple projects and handle contending priorities, prioritize workload effectively, and thrive in a dynamic and complex environment

● Technically minded and basic understanding on Agile development, web & app technologies

● Product Management experience desired, ideally in Fintech space

● Past success delivering high quality products in a complex environment

● Strong analytical skills and the ability to interpret data insights to make informed decisions. Experience with data analytics tools is a plus