Product Manager - LAP (MSME & Salaried)

Company DescriptionFinnable is one of India’s fastest-growing lending platforms, offering personal loans of up to ₹10 lakh through a fully digital process for salaried professionals across 170+ cities. Founded by fintech experts Nitin Gupta and Amit Arora, Finnable combines advanced financial technology and risk management to provide responsible and scalable credit solutions. Recently, Finnable closed a ₹250 crore Pre-Series C funding round and received recognition from Forbes, ET BFSI, and the Great Place To Work certification. With a strong commitment to financial inclusion, Finnable focuses on building fast, fair, and accessible credit solutions for salaried India.Role OverviewThis role requires an understanding of Micro & Small Enterprises in Teir 2/3 geographies, knowledge of their cash flow nuances, ability to design and scale innovative credit products tailored to those segments.The ideal candidate will bridge on-ground insights (including competitive benchmarking) with product, credit, and technology to drive growth, improve customer experience, and unlock new revenue streams.Key Responsibilities1. Product Strategy & DevelopmentDesign customer-centric loan products based on local market needs and income patternsContinuously innovate on product constructs (Technology, TAT, Tenure, Ticket size, Repayment models, Hybrid income assessment, Type of Security etc.)2. Customer & Market UnderstandingSpend significant time in the field to understand customer behavior, needs, and pain pointsBuild strong insights into MSME cash flows, salaried informal segments, and local business ecosystemsTranslate ground-level insights into scalable product features and policies3. Financial Needs AnalysisAnalyze customer financial requirements across lifecycle stages (working capital, expansion, personal needs)Develop frameworks for income assessment in low-documentation/alternate sources environmentsWork closely with credit teams to refine underwriting models for these segments4. Cross-Sell & Revenue EnhancementIdentify and drive cross-sell opportunities (PL, Mobile, Vehicle Gold, Cards etc.)Design bundled offerings tailored to customer segmentsImprove customer lifetime value (LTV) through product innovation5. Process Optimization (Lead to Disbursement)Own end-to-end funnel: lead generation → login → approval → disbursementIdentify bottlenecks and improve TAT, conversion rates, and customer experienceCollaborate with sales, credit, operations, and collections teams6. Tech & AI EnablementPartner with tech teams to digitize and streamline processesLeverage AI/ML for Lead scoring, Credit underwriting, Fraud detection, Customer segmentationDrive adoption of digital tools in field operations7. Stakeholder ManagementWork cross-functionally with Sales, Credit, Risk, Ops, Tech, and AnalyticsAlign internal teams to deliver product outcomesKey RequirementsExperience3–8 years of experience in NBFC/Banking/FintechSignificant exposure to LAP, MSME lending, or retail secured lendingExperience working in Tier 2/3/4 markets preferredSkills & CompetenciesField Orientation: Willingness to travel extensively and engage directly with customersComfort with Ambiguity: Ability to operate in evolving, unstructured environmentsCustomer Insight: Deep understanding of MSME and salaried segments in semi-urban/rural marketsAnalytical Thinking: Ability to interpret financials, cash flows, and informal income patternsProduct Mindset: Strong problem-solving and innovation capabilitiesTech Awareness: Understanding of digital lending, AI/ML applications in financial servicesExecution Focus: Ability to drive outcomes across multiple stakeholdersLocal Language: Knowing any one or more of Tamil, Kannada and/or Telugu is preferredEducationMBA/PGDM (preferred) or equivalent experience in financial servicesSuccess MetricsGrowth in LAP portfolio (disbursements & AUM)Improvement in lead-to-disbursement conversion ratesReduction in TAT across funnel stagesIncrease in cross-sell revenueProduct adoption and customer satisfaction in target segments

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