APM at Optimo Capital · Bengaluru (Bangalore) · 0 - 1 years · ₹10L - ₹12L / yr · Raised funding · Posted 25 Aug 2026
Optimo Capital is an RBI-registered NBFC focused on secured MSME lending, primarily through Loan Against Property (LAP). We serve small businesses that are underserved by traditional banks, and we do it with a lean, technology-first operating model.
What makes us different is how close our product function sits to the actual business. We don't build software in a vacuum — we build tools directly out of the operational problems our credit, sales, collections, and ops teams run into every day. Our stack spans the full lending lifecycle: loan origination and servicing (LOS/LMS), a telecalling CRM, a communications orchestration platform, document management, bureau and data pipelines, and integrations with co-lending and channel partners.
If you like the idea of shipping products that a real team uses the next morning, this is the environment for it.
The Role
We're looking for an Associate Product Manager to help us build and improve the internal and partner-facing products that power our lending operations. You'll own features and workflows end to end — from understanding the problem, to writing the spec, to coordinating the build, to rolling it out and measuring whether it actually worked.
This is a hands-on, high-ownership role suited to someone early in their product career who wants to learn the craft by doing, inside a business where the feedback loop is short and the impact is visible.
What You'll Do
- Sit with the people who use our tools — telecallers, credit officers, ops, collections, sales — and turn their pain points into clear, well-scoped product requirements.
- Write crisp PRDs, user stories, and workflow specs that engineering and vendor partners can build from without guesswork.
- Coordinate delivery across in-house engineering and external technology vendors (e.g., our LOS/LMS provider), keeping timelines, dependencies, and priorities in order.
- Own UAT and rollout: test what gets built, catch the gaps before users do, write the documentation, and make sure adoption actually happens.
- Use data to inform and defend decisions — pull from dashboards and databases, look at funnel and operational metrics, and measure the impact of what you ship.
- Support integrations with co-lending partners and sourcing channels (DSAs) as our partnership footprint grows.
- Keep a pulse on the regulatory and operational context of lending so the products you build are compliant and practical, not just clever.
What We're Looking For
- 1–3 years of experience in product, business/data analytics, operations, consulting, or an early-stage/founder background — or a strong track record of building things.
- Structured thinking and clear writing. You can break an ambiguous problem into parts and explain your reasoning simply.
- Comfort with data. You're not intimidated by spreadsheets or a database, and you'd rather check a number than guess.
- Genuine curiosity about how lending, fintech, and financial services work.
- High agency. You chase down answers, follow through without being managed, and care about the outcome, not just the ticket.
- Strong communication and the ability to work across teams that don't naturally speak the same language (business, engineering, credit, compliance).
Nice to Have
- Exposure to fintech, NBFCs, banking, or lending operations.
- Working knowledge of SQL, or comfort with no-code/low-code tools (Retool, Airtable, and the like).
- Some ability to build — a bit of coding, scripting, or prototyping goes a long way here.
- Familiarity with the Indian lending stack (LOS/LMS, CRM, WhatsApp Business API, bureau data).
Why Join
- Real ownership from day one — you'll ship products, not slides.
- A short path from idea to impact, with users you can actually talk to.
- Deep exposure to how a modern NBFC works across credit, operations, technology, and partnerships.
- The chance to learn product management the way it's meant to be learned: close to the operator, close to the problem.
How to Apply
Send your CV and a short note on something you've built or shipped — a product, a tool, a process, anything — to [insert application email / link].
Shubham Vishwakarma
Full Stack Developer - Averlon
About Optimo Capital
About
Optimo Capital is a newly established NBFC with a mission to serve the underserved MSME businesses with their credit needs in India. Less than 15% of MSMEs have access to formal credit. We aim to bridge this credit gap by employing a phygital model (physical branches + digital decision-making).
Being a technology and data-first company, tech and data enthusiasts play a crucial role in building the tech & infra to help the company thrive.
Candid answers by the company
Optimo offers secured and unsecured business loans to the MSMEs in India.
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