Product Manager - Lending

Location: Bhubaneswar /

Bangalore / Mumbai

Experience: 2+ years

Department: Product

Management

Industry: Fintech /

Banking / Digital Lending

About

iServeU

Company Introduction

• iServeU is a modern banking infrastructure provider in APAC region, empowering financial
• enterprises with embedded fintech solutions for their customers. iServeU is one of the few
• certified partners with National Payment Corporation of India (NPCI), VISA for various
• products. iServeU also provides a cloud-native, micro services-enabled, distributed platform
• with over 5000 possible product configurations with a low code/no code interface to banks,
• NBFCs, Fintech, and other regulated entities.

• We process around 2500 transactions per second by levering distributed & auto scale

technology like K8.

• Our core platform combines of 1200+ micro services.
• Our customer list includes Fintech start-ups, top tier private banks to PSU bank. We operate in

five countries and help customers constantly change the way financial institutions operate and

innovate.

• Our solutions currently empowers over 20 banks and 250+ enterprises across India and

abroad.

• Our platform seamlessly manages the entire transaction lifecycle, including withdrawals,

• deposits, transfers, payments, and lending through various channels like digital, branch, agents.
• Our team of 500+ employees, with over 80% in technology roles is spread across offices in
• Bhubaneswar, Bangalore and Delhi. We have raised $8 million in funding to support our growth
• and innovation.
• For more details visit: www.iserveu.in

Requirements

Role

Overview

• As a Product Manager – LOS/LMS, you will
• own and drive the product lifecycle of Loan Origination System (LOS) and Loan
• Management System (LMS) solutions. You will work closely with banks, fintechs,
• technology teams, business stakeholders, and implementation teams to define
• product strategy, translate business requirements into scalable product
• features, and ensure successful product delivery.
• The ideal candidate should have strong
• knowledge of digital lending, lending workflows, LOS/LMS platforms, credit
• processes, and banking/fintech products.

Key

Responsibilities

• ·Own the product roadmap and
• lifecycle for LOS and LMS lending solutions.
• ·Understand lending requirements
• of banks, NBFCs, fintechs, and financial institutions and translate them into
• product features.
• ·Define product vision,
• strategy, roadmap, and prioritization based on market and customer
• requirements.
• ·Gather and analyse requirements
• from business, clients, operations, risk, credit, and technology stakeholders.
• ·Create detailed PRDs, user
• stories, functional specifications, process flows, and acceptance criteria.
• ·Design and improve end-to-end
• lending journeys covering customer onboarding, loan application, KYC and
• verification, credit assessment, bureau integration, policy/rule engine, credit
• decisioning, document management, sanction and approval, disbursement, repayment,
• collections, loan servicing, and closure.
• ·Work with engineering, QA,
• UI/UX, implementation, and business teams to ensure timely product delivery.
• ·Define and manage integrations
• with credit bureaus, KYC providers, e-sign/e-NACH, payment gateways, banking
• systems, APIs, and other fintech ecosystem partners.
• ·Work on configurable lending
• journeys to support different lending products and client-specific business
• rules.
• ·Collaborate with risk and
• credit teams to incorporate credit policies, eligibility rules, scoring,
• decisioning, and approval workflows.
• ·Analyse customer feedback,
• market trends, and competitor offerings to identify opportunities for product
• enhancements.
• ·Support client discussions,
• product demonstrations, requirement workshops, and solutioning for banks and
• fintech customers.
• ·Track product performance
• through relevant KPIs, adoption metrics, customer feedback, and business
• outcomes.
• ·Coordinate with implementation
• and support teams for product rollout, issue resolution, and continuous
• improvement.
• ·Ensure products comply with
• applicable banking, lending, KYC, data security, and regulatory requirements.
• ·Act as the key product owner
• and subject-matter expert for LOS/LMS solutions.

Required

Skills & Experience

• ·4–8 years of experience in
• Product Management / Product Development within Banking, Fintech, NBFC, Digital
• Lending, or Financial Services.
• ·Strong hands-on experience with
• LOS and/or LMS products.
• ·Good understanding of the
• end-to-end digital lending lifecycle.
• ·Experience working with banks,
• NBFCs, fintechs, or financial institutions.
• ·Strong understanding of lending
• products such as Personal Loans, Business Loans, Consumer Loans, MSME Loans,
• Digital Loans, and Merchant/SME Lending.
• ·Knowledge of credit
• underwriting, loan processing, risk assessment, repayment, collections, and
• loan servicing.
• ·Experience in API-based
• integrations and fintech/banking ecosystems.
• ·Strong understanding of product
• discovery, roadmap planning, prioritization, and Agile methodologies.
• ·Ability to create PRDs, BRDs,
• user stories, process flows, and functional specifications.
• ·Strong analytical,
• problem-solving, stakeholder-management, and communication skills.
• ·Ability to work effectively
• with both business and technology teams.
• Good to

Have

• ·Experience in building or
• implementing digital lending platforms for banks/NBFCs/fintechs.
• ·Exposure to credit
• decisioning/rule engines and underwriting platforms.
• ·Knowledge of Bureau APIs, KYC,
• e-sign, e-NACH, Account Aggregator (AA), UPI, payment, and banking
• integrations.
• ·Understanding of cloud-based,
• API-first, and microservices-based fintech platforms.
• ·Experience in B2B/B2B2C fintech
• product management.
• ·Experience working with
• enterprise clients and managing multiple stakeholders.

Education

• Bachelor’s degree in Engineering,
• Technology, Business, Finance, or a related field. An MBA in Finance,
• Technology, or Business Management would be an added advantage.

What You’ll

• Get at iServeU
• ·Opportunity to build and scale
• digital lending products for banks and fintechs.
• ·Exposure to large-scale banking
• and fintech ecosystems.
• ·Opportunity to work with
• cross-functional teams across product, technology, business, and
• implementation.
• ·A fast-paced environment
• focused on innovation in financial services.
• ·Opportunity to work on products
• impacting millions of financial-service users.