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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What You'll Do → Own end-to-end product structure — from problem framing and scoping to shipping and measuring outcomes. → Build growth-centric features that move activation, engagement, and retention metrics. → Lead infrastructural and platform changes needed to scale the product reliably. → Work closely with engineering, design, and stakeholders to turn strategy into shipped product. → Build high-impact product experiences that help users make smarter investment decisions. → Own outcomes, not just features or sprints. → Tackle complex, ambiguous problems across investments, user engagement, and more.
What We're Looking For → 1–3 years of experience in Product Management, Analytics, or Consulting. → Strong hands-on SQL skills — comfortable pulling and interpreting data independently. → Proven ability to scope problems and write clear PRDs from ambiguous inputs. → A strong sense of ownership — you drive things to closure without being told to. → Ability to lead with clarity, aligning engineering, design, and stakeholders around a shared plan. → Strong with data — comfortable using it to prioritize, validate, and course-correct.
Good to Have → Prior experience in Fintech or BFSI — a strong plus.
Job Description
This is a remote position.
Our Core Value
- Client Success: Our clients’ success is our success
- Extreme Ownership: We own our work and its outcomes fully
- Proactive Collaboration: Teamwork elevates us all
- Quality with Pragmatism: We aim for excellence with a focus on practical solutions
- Effective Feedback: Honest, constructive feedback fosters improvement
- Proactive Collaboration: Teamwork elevates us all
Experience Level
We're looking for a seasoned Product Manager with at least 4 years of experience building user-centric products. You should be a "product craftsperson" who can demonstrate a history of driving tangible, impactful results
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As a Product Manager, you will be responsible for the entire product lifecycle, from initial concept to launch and beyond. You'll act as the central hub, working with stakeholders and clients to define product roadmaps and success metrics.
A key part of your role will be to deeply understand customer and business needs and translate them into clear, actionable requirements for the development team. You will own the product backlog, analyze performance data to identify opportunities, and partner closely with design and engineering to ensure successful execution
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- Product Strategy & Execution: You will define and document product requirements, create and maintain a prioritized backlog, and ensure business needs are met throughout the design, development, and delivery phases.
- Data-Driven Decision Making: You will use your strong analytical and problem-solving skills to gather, analyze, and interpret data to prove or disprove hypotheses and guide product evolution. Expertise in Excel and SQL is essential for this.
- Stakeholder & Client Management: You will communicate with internal and external teams, including clients, to manage expectations, present product status, and gather feedback. Strong consultative, listening, and presentation skills are crucial.
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Requirements
What We're Looking For
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- Agile Experience: You must have experience working within Agile and Extreme Programming methodologies in a continuous deployment environment
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- Analytical and Problem-Solving Skills: We need someone with a strong ability to understand complex business environments and to dive into data using Excel and SQL to derive meaningful insights.
- Attention to Detail: You will need to create clear and precise product documentation and assist in the sales and pre-sales process
Benefits
What We Offer
- Dedicated Learning & Development Budget: Fuel your growth with a budget dedicated solely to learning.
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- And More: Extra perks to support your well-being and professional growth.
Work Environment
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- Work-In-Person: Twice a year, we come together for two-week sprints to collaborate in person, foster stronger team bonds, and align on goals. Additionally, we host an annual retreat to recharge and connect as a team. All travel expenses are covered.
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Product Manager / Associate Product Manager
Turn messy real-world problems into simple products.
AbleCredit builds software for complex enterprise workflows where AI, APIs, business rules, human decisions, and real-world operations have to work together reliably. We care about building products that work in production - not just in demos. Our customers don't arrive with clean product requirements. They have operational problems involving people, policies, existing systems, edge cases, and workflows built over years. Product at AbleCredit means understanding that complexity deeply and turning it into reusable, simple product capabilities.
What You'll Own?
• Spend time with customers and internal teams to understand workflows, constraints, and the real problem behind requests.
• Translate ambiguous operational problems into clear product requirements, user journeys, and measurable outcomes.
• Work closely with engineering and design from discovery through rollout rather than handing off specifications.
• Prioritize based on customer impact, product strategy, effort, risk, and reuse across customers.
• Define success metrics and evaluate whether shipped products actually improve the workflow.
• Own launches, feedback loops, adoption, and iteration after release.
• Identify patterns across customer requests and turn them into reusable platform capabilities instead of one-off customizations.
• Maintain clarity on what we are building, why we are building it, and what we deliberately are not building.
What We're Looking For?
• 1-5 years of product, engineering, analytics, consulting, operations, or adjacent experience; level will be calibrated to experience.
• Strong problem decomposition and structured thinking.
• Ability to understand technical systems, APIs, data flows, and constraints well enough to work deeply with engineers.
• Excellent written and verbal communication.
• Comfort speaking with customers and asking detailed questions until the underlying workflow is understood.
• Bias toward evidence, prototypes, and shipped outcomes rather than process for its own sake.
• Ability to operate with ambiguity and make sensible trade-offs.
Nice to Have
• Experience with B2B SaaS, enterprise software, workflow products, fintech, or AI-assisted products.
• Technical background or prior engineering experience.
• Experience working with APIs, integrations, analytics, or operational products.
• Experience taking a product from discovery through adoption.
How Product Works Here?
Product managers are expected to understand the problem deeply, not act as ticket routers. The best solution may be a new feature, a platform primitive, a workflow change, an API, or deciding not to build something. Success is measured by customer and product outcomes, not PRD volume.
Role Overview
We are looking for a driven and analytical Product Manager to own end-to-end product initiatives across our fintech ecosystem. You will work closely with Engineering, Growth, Risk, and Operations teams to build scalable, customer-centric solutions that drive measurable business impact.
Key Responsibilities
- Own the product lifecycle from problem discovery → PRD → launch → iteration
- Write clear and structured PRDs, user stories, and acceptance criteria
- Collaborate cross-functionally with Engineering, Design, Growth, Risk, and Business teams
- Define product roadmaps and prioritize based on impact and feasibility
- Analyze product performance, funnels, and user behavior using data
- Drive experimentation, A/B testing, and continuous optimization
- Translate business goals into scalable product solutions
Required Skills & Qualifications
- 3–7 years of Product Management experience (preferably in fintech/startup environments)
- Strong analytical skills with hands-on experience in SQL and Excel/Google Sheets
- Experience working in Agile environments with engineering teams
- Ability to think structurally and solve complex product problems
- Strong stakeholder management and communication skills
- Working understanding of APIs, integrations, and system workflows
- Comfort using AI tools to enhance productivity, documentation, research, and product discovery
- Basic understanding of prompt structuring to improve research, analysis, and workflow efficiency
Strong Senior Product Manager — Vertical Products (Fintech, Growth & Conversion) Profile
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Mandatory(Experience 1)- Must have 6+ years of product management experience, with the most recent 3 years spent owning a consumer-facing product surface (app, web funnel, onboarding, checkout, or equivalent B2C surface).
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Mandatory(Experience 2) - Must have consumer-facing product ownership as the centre of gravity. Backend, API, infra, or internal-tools PMs with no recent consumer-facing surface will not be considered. Backend exposure alongside real consumer-funnel work is fine; a backend centre not.
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Mandatory(Experience 3)- Must have a metric-backed track record improving conversion, revenue yield, engagement, or lead quality in a consumer funnel — owned numbers, a steady experimentation cadence (A/B tests, rollouts, readouts), and comfort with analytics: funnels, cohorts, drivers, causal reasoning, measurement hygiene.
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Mandatory(Experience 4)- Must be fluent with AI — active, habitual use of AI tools (ChatGPT, Claude, Gemini, Perplexity, or equivalent) in daily product practice.
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Mandatory(Stakeholder Mgmt)- Must be able to act as the primary link between business leaders, tech teams, and external partners — communicating roadmap, priorities, trade-offs, and performance readouts to senior stakeholders, and working with distributed teams across time zones (Australia, India, Philippines).
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Mandatory(Product Writing & Agile Delivery)- Must have strong product writing — problem briefs, PRD-lite/user stories, experiment plans, decision logs — and deep working command of Agile frameworks and tools.
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Mandatory(Company) - Must be from B2C product company. FinTech is the priority . A non-fintech candidate qualifies only if currently or recently at a Series B plus company.
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Job Role: Product Manager
Location: Noida / Bengaluru
Experience: 4–5 Years
Employment Type: Full-time
Industry: FinTech / Payments
About the Role
We are looking for an experienced Product Manager to join our team and drive the development and growth of our fintech and payment products.
The ideal candidate should have 4–5 years of overall Product Management experience, including a minimum of 3 years of experience in the FinTech industry. Hands-on experience in Subscription Management and Global Payments is mandatory.
The candidate will work closely with Engineering, Business, Operations, Compliance, and other cross-functional teams to define product strategy, manage the product roadmap, and deliver scalable and customer-focused payment solutions.
Key Responsibilities
- Own the end-to-end product lifecycle, from discovery and ideation to development, launch, and continuous optimization.
- Define product vision, strategy, roadmap, and priorities aligned with business objectives.
- Drive products and features related to Global Payments and Subscription Management.
- Gather customer, merchant, and business requirements and translate them into actionable product requirements.
- Prepare and maintain PRDs, user stories, product specifications, and acceptance criteria.
- Collaborate with Engineering, Design, Business, Operations, and Compliance teams to deliver products effectively.
- Manage and prioritize the product backlog based on customer needs, business impact, feasibility, and strategic priorities.
- Analyze product and transaction data to identify opportunities, bottlenecks, and areas for improvement.
- Define and monitor key product metrics and KPIs.
- Conduct market and competitor research to identify trends and opportunities in the global payments and fintech ecosystem.
- Drive improvements across payment journeys, subscription lifecycle, recurring billing, renewals, cancellations, refunds, settlements, and related workflows.
- Collect customer and stakeholder feedback and convert insights into product enhancements.
- Coordinate product launches and ensure effective communication across relevant teams.
- Ensure products are scalable, secure, reliable, and aligned with applicable regulatory and compliance requirements.
Mandatory Requirements
- 4–5 years of total Product Management experience.
- Minimum 3 years of Product Management experience in the FinTech industry.
- Hands-on experience in Subscription Management / Recurring Billing.
- Hands-on experience in Global Payments / Cross-Border Payments.
- Strong understanding of payment processing and fintech product ecosystems.
- Experience working closely with Engineering and other cross-functional teams.
- Strong product discovery, roadmap planning, prioritization, and execution skills.
- Excellent analytical, communication, and stakeholder-management skills.
Good to Have
- Experience with Merchant of Record (MoR) platforms.
- Experience with payment gateways, payment orchestration, checkout, or payment APIs.
- Exposure to international settlements, refunds, chargebacks, and reconciliation.
- Understanding of payment compliance and regulatory requirements.
- Experience working with B2B SaaS or API-based products.
- Familiarity with Agile/Scrum methodologies.
Key Competencies
- Product Strategy & Roadmap
- FinTech & Payment Products
- Global Payments
- Subscription Management
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- Gather and analyze customer, market, and business requirements.
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- Prioritize features and maintain the product backlog.
- Work closely with developers, designers, QA, and other stakeholders throughout the product development lifecycle.
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- Track product performance using relevant KPIs and analytics.
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Technical Product Manager – BFSI & AI
Location: New Delhi, India (On-site)
Employment Type: Full-time
Experience: 4–8 years
Industry: BFSI / FinTech / Enterprise AI / B2B SaaS
About QubeLabs
QubeLabs is building the next generation of Enterprise AI Systems that transform workforce operations and intelligence for the financial services industry.
Our platform combines Conversational AI, Agentic AI, workflow automation, proprietary language models and enterprise intelligence to improve enterprise efficiency, productivity and customer experience.
Our flagship product, QubeLabs Workmate, is purpose-built for banks, NBFCs, MFIs, wealth management firms, insurance companies and fintechs across India and Europe.
Role Overview
We are looking for a Technical Product Manager – BFSI & AI to translate complex financial-services workflows and customer problems into clear product requirements and scalable technology capabilities.
You will work closely with the founders, Head of AI, engineering and business teams to drive the complete product lifecycle—from customer discovery and requirements definition to development, testing, deployment and continuous improvement.
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Key Responsibilities
1. Product Management & Requirements
Define product requirements, roadmaps and feature priorities for QubeLabs Workmate.
Translate customer needs and business problems into PRDs, functional specifications, user stories and acceptance criteria.
Design user journeys, process flows, business rules and expected product behaviour, including edge cases and exceptions.
Prioritize features based on customer value, business impact, technical feasibility and strategic objectives.
Drive features from concept through development, testing, release and post-launch improvement.
2. BFSI Workflows & Customer Discovery
Develop a deep understanding of workflows across banking, wealth management, stock broking, insurance, NBFCs and financial advisory.
Engage with relationship managers, wealth advisors, operations teams, contact centres and business leaders to identify pain points and automation opportunities.
Translate financial-services processes into scalable product capabilities.
Support customer discovery, product demonstrations, pilots, POCs and validation of new features.
Incorporate customer feedback and market insights into product priorities and the roadmap.
3. AI Product Development
Understand the practical capabilities and limitations of Generative AI, LLMs, AI Agents, RAG, Voice AI and workflow automation.
Define requirements for AI assistants, intelligent agents and AI-powered business workflows.
Work with the Head of AI to translate model capabilities, technical dependencies and constraints into product specifications.
Define expected AI behaviour, business rules, exception handling and measurable business outcomes.
Identify where AI is appropriate versus deterministic workflows and conventional business logic.
Understand the capabilities of QubeLabs' proprietary Vectro Series language models and their application to BFSI use cases.
4. Product & Engineering Collaboration
Work with AI and engineering teams to clarify requirements, assess feasibility and resolve implementation challenges.
Understand APIs, integrations, data flows, system dependencies and enterprise technology environments.
Participate in sprint planning, technical discussions, product reviews and architecture reviews where relevant.
Validate delivered features against requirements and lead functional and user acceptance testing.
Identify delivery risks, technical trade-offs and dependencies to ensure timely, high-quality releases.
Prototype or validate product concepts when required.
5. Product Strategy & Market Intelligence
Identify new product opportunities across financial services.
Evaluate customer needs, competitive products and emerging AI capabilities.
Develop industry-specific use cases and product propositions.
Collaborate with leadership to align product investments with customer demand, business objectives and long-term product strategy.
Experience & Qualifications
4–8 years of experience in Product Management, Business Analysis, BFSI Technology, FinTech or enterprise software.
Mandatory experience in BFSI, FinTech or financial-services technology.
Experience with enterprise products and collaboration with engineering or technology teams.
Working knowledge of at least one financial-services domain, such as banking, wealth management, stock broking, capital markets, insurance, NBFCs or financial advisory.
Experience in customer discovery, requirements gathering and product documentation.
Exposure to AI/Generative AI products is preferred but not mandatory.
Bachelor's degree from a recognized university; an MBA or equivalent qualification in product management or business is preferred.
Required Skills
Product Management
Requirements gathering, PRDs and functional specifications.
User stories, acceptance criteria and workflow design.
Roadmapping, prioritization and product lifecycle management.
Customer discovery, stakeholder management and product validation.
BFSI Domain Knowledge
Understanding of financial-services workflows, business processes and enterprise requirements.
Ability to engage with business users and translate operational challenges into technology solutions.
Technical Understanding
Working knowledge of AI/Generative AI, LLMs, AI Agents, RAG and Conversational AI.
Understanding of APIs, system integrations, data flows and cloud-based enterprise applications.
Ability to collaborate with AI and engineering teams on technical feasibility, dependencies and implementation trade-offs.
You do not need to be an AI engineer, but you must be comfortable understanding technical concepts and translating them into practical product requirements.
What Success Looks Like
Clear, implementation-ready product requirements and specifications.
Timely delivery of prioritized product features and roadmap milestones.
Successful launch and adoption of high-value AI-powered BFSI workflows.
Effective support for enterprise pilots, POCs and customer validation.
Strong alignment between customer needs, product priorities, AI capabilities and engineering execution.
Measurable improvements in customer productivity, operational efficiency and product engagement.
Why Join QubeLabs?
Build next-generation Enterprise AI Systems for financial services.
Work directly with founders and senior leadership in a high-ownership role.
Shape AI-powered products across banking, wealth management, brokerage and insurance.
Work at the intersection of BFSI, AI, enterprise intelligence and workflow automation.
Collaborate with teams developing QubeLabs' proprietary Vectro Series language models.
Contribute to enterprise markets across India and Europe.
Equal Opportunity
QubeLabs is an equal opportunity employer
committed to building a diverse and inclusive workplace where innovation thrives.
Product Manager – AI/GenAI
Our AI platform that lets people ask questions of their enterprise data in natural language and get trustworthy answers. The hard part isn't the model — it's the fit between what the product can genuinely do and what customers actually need, over data that is never as clean as anyone hopes. We're hiring a Product Manager to own that fit: to do the detailed thinking on customer pain, competitive landscape, and where the technology is going, and to turn it into a sharp, defensible product proposition and roadmap. You'll work closely with the CTO (who currently carries this thinking) and become the person who owns the depth beneath it.
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• Technical fluency in AI/data. You understand RAG, LLMs, text-to-SQL, and data quality well enough to judge feasibility vs. hype and to earn engineers' respect. You don't need to code; you need to reason.
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Nice-to-have
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• 0-to-1 or turnaround experience — comfort building the function, not just running it.
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Google AnalyticsKey Responsibilities
Define product strategy, roadmap, and product development plans.
Conduct market and competitor analysis to identify new opportunities.
Drive product adoption, customer experience, conversion, and business growth.
Work with UX/UI, Engineering, Marketing, Operations, and Customer Support teams.
Track product performance using
Google Analytics and other analytics tools
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Analyze customer feedback and data to drive product improvements.
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Requirements
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Product Management
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Strong understanding of product strategy, roadmap, analytics, and execution.
Experience with
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Strong communication, problem-solving, and stakeholder management skills.
Ability to manage multiple projects in a fast-paced environment.
Follow CutshortShubham Vishwakarma
Full Stack Developer - Averlon