
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.
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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.
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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.
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Skills & Qualifications:
- 1–2 years as a PM/Tech (additional points if in fintech or lending).
- Strong understanding of loan lifecycle operations, especially disbursal + reconciliation (processing fees, RPS, insurance, charges, login fees, etc.).
- Strong process mindset — comfortable in fast-moving, messy environments, and able to translate chaos into SOPs, controls, and scalable workflows.
- Comfortable with data in Excel/Sheets; able to reconcile structured outputs.
- Strong stakeholder management across internal teams + external partners.
- High ownership + clear communication in ambiguous situations.
Good to have
- Co-lending / partnership-led lending exposure.
- Experience working with banks/NBFCs.
- Basic SQL and/or dashboards/analytics exposure.
- Experience in fast-scaling or 0→1 environments.
This role is for you if:
- You enjoy building structure in fast-moving, slightly messy environments.
- You think in flows, dependencies, and edge cases.
- You can switch between partner calls, ops discussions, and product delivery.
- You like owning reliability/accuracy/volumes — and reducing manual work.
- You’re the person who makes sure things run (not just get planned) — with a strong get-things-done attitude.

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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