Senior Product Manager - Credit Risk

Leads the development and growth of a credit risk product portfolio for lenders, shaping roadmaps for credit signals and decisioning tools. Translates lender needs into scalable technology solutions across the full credit lifecycle, collaborating with data science and engineering teams to improve lending decisions.

## Responsibilities

• Define and manage the credit signals roadmap and identify opportunities for alternative data sources.
• Engage with banks, NBFCs, and fintech lenders to understand underwriting and lending processes.
• Develop solutions covering the full credit lifecycle including onboarding, underwriting, and collections.
• Collaborate with data science teams to define credit signals and evaluate model performance.
• Lead the development and launch of scalable, API-first credit products and decisioning tools.
• Monitor product performance through key metrics such as approval rates and delinquency levels.
• Partner with Go-to-Market teams to support product positioning and pricing strategies.
• Ensure products meet regulatory requirements including RBI regulations and data protection standards.

## Requirements

• Skills: SQL, Gini statistics, Kolmogorov-Smirnov (KS) statistics, Credit signals, Alternative data, Risk scores, Fraud indicators, API development, Product leadership, Communication, Stakeholder management, Product judgment, Strategic thinking

## Nice to have

• Skills: Credit score development, Risk model development, Decisioning engine development, Account Aggregator frameworks, UPI, GST data

## Benefits

• Competitive salary
• Potential equity participation
• Health benefits
• Flexible paid time off (PTO)
• Dedicated learning budget
• Remote working opportunity
• Flexible working culture