Incred Finance

Designation - Product Manager

Experience - 4 to 6 Years

Work Location - Whitefield, Bengaluru

We’re hiring Product Managers to own product lines within our LOS platform end-to-end. You’ll work directly with credit union clients to gather requirements, write user stories, run sprints with your engineering pod, manage vendor integrations, and ship features used by real customers. You’ll also lead full client implementations — from discovery to go-live.

Beyond execution, you’ll help shape the platform roadmap by identifying patterns across clients and driving what should be configurable vs. custom to scale the product. This is a high-ownership, hands-on role — focused on real problem-solving, close collaboration with users and engineers, and making practical trade-offs to deliver impact.

A typical week looks like

• 2-3 client calls with US credit union stakeholders — CXOs, managers, underwriters,
• Act as the bridge between US team & India Engineering team
• Writing PRFAQs, stories and acceptance criteria for upcoming work
• Sprint ceremonies with your engineering pod — planning, grooming, retro
• Coordinating with 2-3 vendor integration teams — API specs, test data, certification
• Ensuring alignment across organisation for delivery for your product line & client implementation

What you'll ship in the first 6 months

• Own a product line end-to-end
• Own a client implementation from requirements through go-live
• Ship features that go live in production for real credit union users
• Manage 3-5 vendor integrations through to QA sign-off
• Run your pod's sprint cycle independently
• Contribute at least one platform-level improvement that benefits all clients

What we're looking for

• Biased for action, grounded in first principles — you ship fast, but you think before you build.
• AI-native — you use AI tools daily to multiply your output, not as a novelty. You write specs faster, research deeper, and make better decisions because AI is part of how you work.
• Comfortable working directly with clients (US business hours overlap required — expect 2-3 late evening calls per week)
• Writes clearly — PRFAQs, story documents, acceptance criteria
• Can own an engineering pod's backlog — sprint planning, grooming, prioritization
• Understands lending workflows — origination, decisioning, underwriting, funding
• Can navigate vendor integrations — read API docs, coordinate with external teams, unblock engineers
• Uses data and judgment to make scope calls fast — you won't have perfect information
• Takes feedback well and gives it directly

Qualifications

Required:

• 3-5 years total experience with at least 2 years in product management
• Lending, banking, or fintech domain experience
• Experience working with engineering teams in an agile environment
• Actively uses AI tools in daily PM work — research, writing, analysis, decision-making
• Familiar with Claude Code to leverage AI & work at 10x productivity
• BTech/BE. MBA preferred.

Preferred / Bonus:

• Familiar with Claude Code to leverage AI & work at 10x productivity
• US lending industry experience
• US indirect auto lending (dealer-lender workflows, RouteOne, DealerTrack)
• US home equity / HELOC product experience
• Credit union operations experience
• Experience with loan origination systems (any vendor)
• Familiarity with core banking integrations (Jack Henry, Fiserv, Corelation)
• Familiarity with credit bureau data (TransUnion, Equifax, Experian)
• Experience with decision engines or business rules platforms