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Product Manager
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Product Manager

Ajinkya Pokharkar's profile picture
Posted by Ajinkya Pokharkar
1 - 3 yrs
₹5.5L - ₹15L / yr
Bengaluru (Bangalore)
Skills
Analytical Skills
Effective communication
Product Documentation
Product owner
Problem solving
Stakeholder communications
Teamwork
Ownership
Accountability
Decision-making

About us:


Optimo Capital is an NBFC founded by Prashant Pitti (co-founder, EaseMyTrip).

We serve underserved MSMEs in India using a phygital model (branches + digital decision-making).

We’re tech + data-first, building core lending infrastructure and operating systems from the ground up.


----

Job Summary:


A Product Manager role focused on building and scaling our lending ecosystem with a strong co-lending lens.

Own product outcomes end-to-end — identify problems, design user journeys and workflows, define SOPs/controls, write clear specs, and ship improvements with cross-functional teams.


----

Key Responsibilities:


1. Co-Lending Tech & Ops:

  • Own end-to-end co-lending execution; be the POC for partner banks/NBFCs + internal teams.
  • Drive closure on operational issues (disbursals, data/reporting, exceptions) across Ops/Credit/Tech.
  • Improve workflows, controls, integrations, monitoring, and reporting readiness to scale volumes.


2. Straight-Through Lending Digital Journeys: Design and improve property-loan journeys from onboarding → disbursement with fewer breaks and faster processing.


3. Credit & Risk Products: Build core underwriting/risk capabilities: rule checks, decisioning inputs, validations, policy configuration, and exception flows (with Credit + Data Science).


4. Ownership across different Products — Planning to Delivery (with Tech):

  • Convert requirements into specs/user stories with edge cases + acceptance criteria.
  • Drive dependencies, UAT, go-live readiness, rollouts, and release quality.
  • Own partner/third-party integrations (APIs/file exchanges): specs, validations, monitoring, issue resolution.
  • Maintain product documentation, process maps, SOPs, release notes, and partner-facing references to keep execution consistent.


5. Cross-Functional Problem Solving: Identify problems, gather requirements, and align on solutions across Ops/Business/Credit/Tech to deliver on time.


6. Impact & Iteration (for every product): Define success metrics upfront, ship changes, measure impact, and continuously iterate based on outcomes.


----

Skills & Qualifications:

  1. 1–2 years as a PM/Tech (additional points if in fintech or lending).
  2. Strong understanding of loan lifecycle operations, especially disbursal + reconciliation (processing fees, RPS, insurance, charges, login fees, etc.).
  3. Strong process mindset — comfortable in fast-moving, messy environments, and able to translate chaos into SOPs, controls, and scalable workflows.
  4. Comfortable with data in Excel/Sheets; able to reconcile structured outputs.
  5. Strong stakeholder management across internal teams + external partners.
  6. High ownership + clear communication in ambiguous situations.


Good to have

  1. Co-lending / partnership-led lending exposure.
  2. Experience working with banks/NBFCs.
  3. Basic SQL and/or dashboards/analytics exposure.
  4. Experience in fast-scaling or 0→1 environments.


This role is for you if:

  1. You enjoy building structure in fast-moving, slightly messy environments.
  2. You think in flows, dependencies, and edge cases.
  3. You can switch between partner calls, ops discussions, and product delivery.
  4. You like owning reliability/accuracy/volumes — and reducing manual work.
  5. You’re the person who makes sure things run (not just get planned) — with a strong get-things-done attitude.
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Shubham Vishwakarma

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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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About Optimo Capital

Founded :
2023
Type :
Services
Size :
20-100
Stage :
Raised funding

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.



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Candid answers by the company

What does the company do?
What is the location preference of jobs?

Optimo offers secured and unsecured business loans to the MSMEs in India.

Company social profiles

N/A

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