Associate Product Manager

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].

About Us

We believe the future of software development is AI-native — where engineers operate at a higher level of abstraction and quality remains non-negotiable. 

Incubyte is a software craft consultancy where the “how” of building software matters as much as the “what”.  

We partner with companies of all sizes, from helping enterprises build, scale, and modernize to early-stage founders bringing their ideas to life. 

Our engineers operate in an AI-native development model, using AI as a collaborator across the SDLC to accelerate development while upholding the discipline of software craftsmanship. Guided by Software Craftsmanship and Extreme Programming practices, we build reliable, maintainable, and scalable systems with speed, without compromising quality. If this way of building software resonates with you, we’d like to talk. 

Our Guiding Principles 

These principles define how we work at Incubyte. They are non-negotiable. 

Relentless Pursuit of Quality with Pragmatism 

  We build high-quality systems without losing sight of delivery. 

Extreme Ownership 

  We take responsibility end-to-end for decisions, execution, and outcomes. 

Proactive Collaboration 

  We collaborate closely, challenge each other, and solve problems together. 

Active Pursuit of Mastery 

  We continuously improve our craft and raise our bar. 

Invite, Give, and Act on Feedback 

We seek, give, and act on feedback to get better every day. 

Ensuring Client Success 

We act as trusted partners and focus on real outcomes, not just output. 

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

Role Overview 

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

Key Responsibilities

• 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.
• Cross-Functional Collaboration: You will coordinate with various teams—including design, engineering, sales, and support—to build, manage, and evolve the product. A solid understanding of software engineering concepts will help you drive product strategy effectively

Requirements

What We're Looking For

• Product Mindset: You'll be a central figure, coordinating with various teams to build and support the product
• Agile Experience: You must have experience working within Agile and Extreme Programming methodologies in a continuous deployment environment
• Technical Acumen: You should have a solid understanding of software engineering concepts to help drive product strategy
• Exceptional Communication: You should have strong consultative, listening, and presentation skills to effectively communicate with clients and stakeholders
• 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.  
• Conference Talks Sponsorship: Amplify your voice! If you’re speaking at a conference, we’ll fully sponsor and support your talk. 
• Cutting-Edge Projects: Work on exciting projects with the latest AI technologies   
• Employee-Friendly Leave Policy: Recharge with ample leave options designed for a healthy work-life balance. 
• Comprehensive Medical & Term Insurance: Full coverage for you and your family’s peace of mind. 
• And More: Extra perks to support your well-being and professional growth. 

Work Environment 

• Remote-First Culture: At Incubyte, we thrive on a culture of structured flexibility — while you have control over where and how you work, everyone commits to a consistent rhythm that supports their team during core working hours for smooth collaboration and timely project delivery. By striking the perfect balance between freedom and responsibility, we enable ourselves to deliver high-quality standards that our customers recognize us by. With asynchronous tools and a push for active participation, we foster a vibrant, hands-on environment where each team member’s engagement and contributions drive impactful results. 
• 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. 
• Proactive Collaboration: Collaboration is central to our work. Through daily pair programming sessions, we focus on mentorship, continuous learning, and shared problem-solving. This hands-on approach keeps us innovative and aligned as a team. 

Incubyte is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

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

Role Overview 

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

Key Responsibilities

• 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.
• Cross-Functional Collaboration: You will coordinate with various teams—including design, engineering, sales, and support—to build, manage, and evolve the product. A solid understanding of software engineering concepts will help you drive product strategy effectively

Requirements

What We're Looking For

• Product Mindset: You'll be a central figure, coordinating with various teams to build and support the product
• Agile Experience: You must have experience working within Agile and Extreme Programming methodologies in a continuous deployment environment
• Technical Acumen: You should have a solid understanding of software engineering concepts to help drive product strategy
• Exceptional Communication: You should have strong consultative, listening, and presentation skills to effectively communicate with clients and stakeholders
• 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.  
• Conference Talks Sponsorship: Amplify your voice! If you’re speaking at a conference, we’ll fully sponsor and support your talk. 
• Cutting-Edge Projects: Work on exciting projects with the latest AI technologies   
• Employee-Friendly Leave Policy: Recharge with ample leave options designed for a healthy work-life balance. 
• Comprehensive Medical & Term Insurance: Full coverage for you and your family’s peace of mind. 
• And More: Extra perks to support your well-being and professional growth. 

Work Environment 

• Remote-First Culture: At Incubyte, we thrive on a culture of structured flexibility — while you have control over where and how you work, everyone commits to a consistent rhythm that supports their team during core working hours for smooth collaboration and timely project delivery. By striking the perfect balance between freedom and responsibility, we enable ourselves to deliver high-quality standards our customers recognize us by. With asynchronous tools and push for active participation, we foster a vibrant, hands-on environment where each team member’s engagement and contributions drive impactful results. 
• 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. 
• Proactive Collaboration: Collaboration is central to our work. Through daily pair programming sessions, we focus on mentorship, continuous learning, and shared problem-solving. This hands-on approach keeps us innovative and aligned as a team. 

Incubyte is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Strong Senior Product Manager — Vertical Products (Fintech, Growth & Conversion) Profile

2

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).

3

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.

4

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.

5

Mandatory(Experience 4)- Must be fluent with AI — active, habitual use of AI tools (ChatGPT, Claude, Gemini, Perplexity, or equivalent) in daily product practice.

6

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).

7

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.

8

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.

9

Preferred(Skill)- Exposure to LangChain, RAG, or prompt engineering in a product context; experience working directly with data science/ML teams on model-backed features; prior AI features in transactional or financial-services consumer UX.

Strong Senior Product Manager — Vertical Products (Fintech, Growth & Conversion) Profile

2

Mandatory(Experience 1)- Must have 7+ 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

3

Mandatory(Experience 2)- Must have a metric-backed track record improving numbers — owned numbers, a steady experimentation cadence (A/B tests, rollouts, readouts), and comfort with analytics: funnels, cohorts, drivers, causal reasoning, measurement hygiene

4

Mandatory(Experience 3)- Must be fluent with AI — active, habitual use of AI tools (ChatGPT, Claude, Gemini, Perplexity, or equivalent) in daily product practice

5

Mandatory(Stakeholder Mgmt)- Must be able to act as the primary link between business leaders, tech teams, design teams and external partners — communicating roadmap, priorities, trade-offs, and performance readouts to senior stakeholders

6

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

7

Mandatory(Company) - Must be from Top B2C product company (FinTech , InsuranceTech is the priority)

Senior Product Manager – Growth & Consumer Products (FinTech Preferred)

We're looking for a Senior Product Manager with 6+ years of product management experience, including the last 3+ years owning consumer-facing B2C products (app, onboarding, checkout, growth, or conversion funnels).

Must Have:

- Consumer product ownership (not backend/infrastructure-focused)

- Strong track record of improving conversion, engagement, revenue, or retention through A/B testing and data-driven experimentation

- Experience with analytics, funnels, cohorts, and product metrics

- Active use of AI tools (ChatGPT, Claude, Gemini, Perplexity, etc.) in product work

- Strong stakeholder management across business, engineering, and design teams

- Experience writing PRDs, user stories, and working in Agile environments

- Current or recent experience in a B2C product company (FinTech preferred; otherwise Series B+ startup)

Good to Have:

- Experience with AI/ML products, prompt engineering, LangChain, or RAG.

Strong Senior Product Manager — Vertical Products (Fintech, Growth & Conversion) Profile

2

Mandatory(Experience 1)- Must have 7+ 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

3

Mandatory(Experience 2)- Must have a metric-backed track record improving numbers — owned numbers, a steady experimentation cadence (A/B tests, rollouts, readouts), and comfort with analytics: funnels, cohorts, drivers, causal reasoning, measurement hygiene

4

Mandatory(Experience 3)- Must be fluent with AI — active, habitual use of AI tools (ChatGPT, Claude, Gemini, Perplexity, or equivalent) in daily product practice

5

Mandatory(Stakeholder Mgmt)- Must be able to act as the primary link between business leaders, tech teams, design teams and external partners — communicating roadmap, priorities, trade-offs, and performance readouts to senior stakeholders

6

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

7

Mandatory(Company) - Must be from Top B2C product company (FinTech , InsuranceTech is the priority)

8

Mandatory (City) - Pune Based Candidates Only

Strong Senior Product Manager — Vertical Products (Fintech, Growth & Conversion) Profile

2

Mandatory(Experience 1)- Must have 7+ 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

3

Mandatory(Experience 2)- Must have a metric-backed track record improving numbers — owned numbers, a steady experimentation cadence (A/B tests, rollouts, readouts), and comfort with analytics: funnels, cohorts, drivers, causal reasoning, measurement hygiene

4

Mandatory(Experience 3)- Must be fluent with AI — active, habitual use of AI tools (ChatGPT, Claude, Gemini, Perplexity, or equivalent) in daily product practice

5

Mandatory(Stakeholder Mgmt)- Must be able to act as the primary link between business leaders, tech teams, design teams and external partners — communicating roadmap, priorities, trade-offs, and performance readouts to senior stakeholders

6

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

7

Mandatory(Company) - Must be from Top B2C product company (FinTech , InsuranceTech is the priority)

8

Mandatory (City) - Pune Based Candidates Only

9

Mandatory ( Note ) - The 1st round will be in person, so we need candidates who are available to attend the interview physically.

Strong Senior Product Manager — Vertical Products (Fintech, Growth & Conversion) Profile

2

Mandatory(Experience 1)- Must have 7+ 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

3

Mandatory(Experience 2)- Must have a metric-backed track record improving numbers — owned numbers, a steady experimentation cadence (A/B tests, rollouts, readouts), and comfort with analytics: funnels, cohorts, drivers, causal reasoning, measurement hygiene

4

Mandatory(Experience 3)- Must be fluent with AI — active, habitual use of AI tools (ChatGPT, Claude, Gemini, Perplexity, or equivalent) in daily product practice

5

Mandatory(Stakeholder Mgmt)- Must be able to act as the primary link between business leaders, tech teams, design teams and external partners — communicating roadmap, priorities, trade-offs, and performance readouts to senior stakeholders

6

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

7

Mandatory(Company) - Must be from Top B2C product company (FinTech , InsuranceTech is the priority)

8

Mandatory (City) - Pune Based Candidates Only

9

Mandatory ( Note ) - The 1st round will be in person, so we need candidates who are available to attend the interview physically.

Strong Senior Product Manager — Vertical Products (Fintech, Growth & Conversion) Profile

2

Mandatory(Experience 1)- Must have 7+ 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

3

Mandatory(Experience 2)- Must have a metric-backed track record improving numbers — owned numbers, a steady experimentation cadence (A/B tests, rollouts, readouts), and comfort with analytics: funnels, cohorts, drivers, causal reasoning, measurement hygiene

4

Mandatory(Experience 3)- Must be fluent with AI — active, habitual use of AI tools (ChatGPT, Claude, Gemini, Perplexity, or equivalent) in daily product practice

5

Mandatory(Stakeholder Mgmt)- Must be able to act as the primary link between business leaders, tech teams, design teams and external partners — communicating roadmap, priorities, trade-offs, and performance readouts to senior stakeholders

6

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

7

Mandatory(Company) - Must be from Top B2C product company (FinTech , InsuranceTech is the priority)

8

Mandatory (Age) - Candidate's age should be below 32 years