Rapipay Fintech Private Limited
Website:
rapipay.com
Job details:
Company Description
RapiPay Fintech Private Limited is one of the fastest-growing companies in India's fintech industry, holding a PPI license from the Reserve Bank of India (RBI). Through a robust network of over 6 lakh Direct Business Outlets (DBOs), RapiPay offers essential financial inclusion services, including AEPS, Micro ATM, Domestic Money Transfer, Utility Bill Payments, and Insurance. A subsidiary of Capital India Finance Limited (CIFL), a leading NBFC, RapiPay enables financial inclusion for millions, processing over 3 crore transactions monthly and serving more than 10 crore unique customers nationwide.
About the Role
We are looking for an experienced Product Manager with a strong background in banking, financial services, or fintech who can drive the design, development, and optimization of digital lending and credit products. The ideal candidate understands credit policies, risk frameworks, and portfolio management, and is well-versed with RBI digital lending guidelines.
Key Responsibilities
- Lead end-to-end product strategy and execution for credit and digital lending solutions.
- Collaborate with credit, risk, and data teams to define product requirements aligned with regulatory and business objectives.
- Translate credit policies and risk parameters into actionable product workflows.
- Manage product lifecycle — from concept to launch, including customer journey mapping, feature prioritization, and go-to-market planning.
- Ensure adherence to RBI’s Digital Lending Guidelines and other regulatory mandates.
- Monitor key portfolio and risk metrics (delinquency, NPA ratios, portfolio yield) to drive continuous improvement.
- Work closely with technology, analytics, and compliance teams to build scalable, secure lending platforms.
- Identify opportunities for product innovation in the credit and digital finance ecosystem.
Required Qualifications
- 4–8 years of experience in Product Management within BFSI or FinTech/Lending domains.
- Strong knowledge of credit policies, portfolio management, and risk frameworks.
- Demonstrated experience with digital lending products, preferably personal loans, BNPL, or SME credit lines.
- Familiarity with RBI digital lending norms, data privacy, and fair practice codes.
- Strong analytical, communication, and stakeholder management skills.
- Bachelor’s degree in Engineering, Finance, Economics, or related field; MBA preferred.
Preferred Skills
- Experience in NBFC/fintech lending platforms or consumer credit products.
- Understanding of credit bureau data, loan origination systems (LOS), and loan management systems (LMS).
- Exposure to API-based integrations, underwriting models, and alternative data sources.
Interested candidates can connect with me on swati.nirman@rapipay.com
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