Fintech Product Manager

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
• Product Analytics
• Customer-Centric Product Development
• Stakeholder Management
• Agile Product Development
• Problem Solving & Decision Making

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.

We believe that experience is everything. Experience.com has built the most impactful Experience Management Platform (XMP) available anywhere, with features to drive operational and behavioral change, in real-time, during the moments that matter. XMP delivers impactful business outcomes including increased customer satisfaction, brand loyalty, online reputation and visibility, as well as improved employee engagement, and compliance - making every experience matter more.

Founded in 2015 and originally founded as SocialSurvey, Experience.com is headquartered in San Ramon, Calif. and backed by SavantGrowth (fka Kennet Partners), Silicon Valley Data Capital, Tri-Valley Ventures, and Wilson Sonsini Goodrich & Rosati.

Indian Registered name: Buyers Road India Private Limited

URL: www.experience.com

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.

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

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].

Skill: The Expertise Required

Must-Haves for this Role

5-8 years of Product Management experience in health-tech, wellness, or science-backed products.

Strong consumer product experience with a proven track record of solving user problems.

Ability to simplify complex scientific/clinical logic into clear, intuitive, and actionable user experiences.

Top-tier college mandatory.

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.

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.