HelloTrade (An IndiaMART Company)

HelloTrade is a wholly-owned subsidiary of Indiamart, India’s largest B2B marketplace. We are building a next-generation financial services and wealth management platform for MSMEs. Leveraging Indiamart’s 20M+ SME user base, HelloTrade aims to revolutionize access to loans, insurance, credit cards, deposits, and financing solutions—becoming the financial operating system for Indian MSMEs.

Role Overview:

We’re looking for a Product Manager – Lending Platform to lead the buildout of HelloTrade’s fintech ecosystem.

You’ll define and deliver the core lending, insurance, and wealth modules—owning the roadmap, integrations, and user experience from concept to scale.

You’ll collaborate cross-functionally with engineering, data, compliance, and business teams to ship high-impact financial products.

Key Responsibilities

1. Core Lending Stack

• Build and scale borrower and partner journeys: onboarding, application, KYC, offer, disbursal, servicing, repayment, and delinquency.
• Develop architecture for LOS, LMS, rule engines, and internal operational tools.
• Integrate with partners: bureaus, NBFCs/Banks, GST, AAs, PAN, CKYC, DigiLocker, BBPS, and others.

2. Free Credit Score Product (Immediate Priority)

• Launch and scale a free credit score module for MSMEs.
• Integrate with credit bureaus (CRIF, Experian, CIBIL) to fetch and display scores and reports.
• Design user education flows on credit health, repayment behavior, and improvement tips.
• Build funnels for upsell into lending and financial wellness products.

3. Insurance & Wealth (Future-Ready Platform Build)

• Design a framework for embedded insurance (term, health, credit-life) with contextual offerings.
• Architect journeys for micro-investments, recurring deposits, or mutual funds for MSMEs.
• Partner with insurance and wealth providers to build APIs and co-branded experiences.
• Ensure compliance with IRDAI and SEBI norms and embed customer suitability logic.

4. Decisioning, Risk & Lifecycle Infrastructure

• Manage rules engines, scorecard integrations, fraud layers, and partner fallback logic.
• Own architecture for lifecycle automation: reminders, upsell triggers, payment follow-ups, and collections.

5. Internal Systems & Ops Tooling

• Build internal CRMs, dashboards, and case management tools for support, credit ops, and collections.
• Define monitoring and alerting layers for partner SLAs, exceptions, reconciliation, and financial reporting.

6. Data, Reporting & Governance

• Define data schema and structures in collaboration with engineering and analytics.
• Enable regulatory and business reporting: bureau pulls, performance metrics, and RBI-ready logs.

7. Cross-Functional Execution

• Collaborate with Engineering, Analytics, Legal, Compliance, Marketing, and Business teams.
• Drive alignment on priorities, write clear specs, manage releases, and own platform performance KPIs.

Skill Set

• 5–10 years of experience in lending product roles at fintechs, NBFCs, or banks.
• Proven success in building lending tech stacks and financial services products.
• Strong grasp of APIs, backend architecture, decision systems, and regulatory landscapes.
• Experience scaling products from MVP to full-stack, multi-vertical platforms.
• Excellent documentation, communication, and stakeholder management skills.