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Product Manager

Product Manager at Incred Finance · Bengaluru (Bangalore) · 4 - 6 years · ₹1L - ₹1L / yr · Profitable · Posted 10 Aug 2026

Incred Finance's logo

Product Manager

Md Salman's profile picture
Posted by Md Salman
4 - 6 yrs
₹1L - ₹1L / yr
Bengaluru (Bangalore)
Skills
Product Management
Product Lifecycle Management (PLM)

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


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About Incred Finance

Founded :
2016
Type :
Products & Services
Size :
1000-5000
Stage :
Profitable

About

InCred is a new-age financial services platform that leverages technology and data-science to make lending quick and easy. InCred is credit for Incredible India. We use technology and data-science to make lending quick, simple and hassle-free. We believe traditional ways of lending can exclude those most in need because of outdated, rigid and often inefficient processes. At InCred, we have simplified the lending process with a sharp focus on serving our borrowers’ unique needs and circumstances – offering our customers a truly superior borrowing experience.
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Relentless Pursuit of Quality with Pragmatism 

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Proactive Collaboration 

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Active Pursuit of Mastery 

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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

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  • Extreme Ownership: We own our work and its outcomes fully
  • Proactive Collaboration: Teamwork elevates us all 
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YoYo AI
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- Work closely with engineering throughout implementation rather than simply handing over a PRD.

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- Speak directly with customers and prospects.

- Understand how they currently solve problems and where existing tools fail.

- Run product demos and gather structured feedback.

- Separate individual customer requests from broader product opportunities.

- Use customer conversations to continuously refine product strategy.


### Launch & Growth - Own launch strategy for the products and features you build.

- Define positioning, messaging, demos, onboarding, and initial adoption strategy.

- Work across product, engineering, sales, and customers to make launches successful.

- Measure what happened after launch and iterate quickly.


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-You likely have **2–4 years of experience** across product, engineering, startups, consulting, AI, or related roles. More importantly, you should have: - **~1 year of hands-on experience building with LLMs, agents, or AI applications.**

- Built actual AI workflows rather than only used ChatGPT or managed an AI project.

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- Ability to perform deep market and customer research independently. - Strong written and verbal communication.

- High ownership — you naturally move from identifying a problem to getting something shipped.

- Comfort operating in an environment where the answer is often not known beforehand.


## Two Traits We Care About Deeply

### Constraint Thinking Great product people don't start with: *"What could we build?"* They start with: *"Given our users, technology, time, team, data, and constraints, what is the smartest thing we can build?"*


We value people who can reduce a large possibility space into a small number of high-leverage decisions. You should be able to distinguish between: -

interesting vs. useful,

- possible vs. reliable, AI Product Manager 2 / 4 AI Product Manager - demoable vs. production-ready,

- customer requests vs. underlying problems,

- AI capability vs. AI product.


### Grounded Energy AI moves incredibly fast, and it is easy to either become overly skeptical or overly excited. We want someone who has **high energy without hype**. You should be excited enough to constantly experiment with new technology, while grounded enough to recognize its limitations. You should naturally ask:

- Does this actually work?

- How often does it fail?

- What happens at scale?

- Can we evaluate it?

- Will customers actually change their behaviour for this?

- Is AI even necessary here?


## You Might Be a Great Fit If You have independently done things like: - Built an agent over a weekend to test a product idea.

- Compared multiple LLMs for a real use case.

- Created an eval dataset to test AI quality.

- Used tools such as Claude Code, Codex, Cursor, LangGraph, OpenAI Agents SDK, MCP, Langfuse, or similar systems.

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- Interviewed users and changed the product based on what you learned.

- Gone from idea to prototype to customer feedback to production. - Read product documentation, GitHub repos, Reddit discussions, research papers, and competitor products to understand a market deeply.

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- You prefer delegating prototyping and experimentation entirely to engineering.

- You haven't spent meaningful time building with modern AI tools.

- You enjoy creating large strategy documents more than testing ideas with users.

- You are uncomfortable making decisions with incomplete information.


## What Success Looks Like Within your first few months, you should be able to independently: AI Product Manager 3 / 4 AI Product Manager - understand a customer problem,

- research the market,

- identify a promising product opportunity,

- prototype an AI workflow,

- define how its quality should be evaluated,

- work with engineering to productionize it,

- speak with early users,

- launch it,

- measure adoption,

- and recommend what we should do next.



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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 Top B2C product company (FinTech , InsuranceTech is the priority)

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

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Mandatory (City) - Pune Based Candidates Only

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

Read more
Staffnixcom
Mayank Choudhary
Posted by Mayank Choudhary
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The recruiter has not been active on this job recently. You may apply but please expect a delayed response.

Pune
7 - 10 yrs
₹55L - ₹60L / yr
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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

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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)

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

Read more
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Shubham Vishwakarma

Full Stack Developer - Averlon
I had an amazing experience. It was a delight getting interviewed via Cutshort. The entire end to end process was amazing. I would like to mention Reshika, she was just amazing wrt guiding me through the process. Thank you team.
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