Blostem
Website:
blostem.com
Job details:
About the Role
At Blostem, we are building digital lending experiences that are fast, intelligent, and genuinely customer-first. We are looking for a Product Manager who has owned digital lending journeys end-to-end — from the moment a user lands on a page to disbursal, repayment, and collections — and who can combine sharp product instincts with a builder's mindset.
This is a hands-on role. You will work closely with engineering, design, risk, credit, operations, and growth to ship products that move the needle on conversion, approval rates, unit economics, and customer experience. If you are the kind of PM who enjoys going deep into underwriting logic one day and A/B testing a checkout flow the next, you will feel at home here.
What You'll Do
• Own the digital lending product end-to-end — from lead capture, KYC, underwriting, and disbursal to servicing, repayment, and collections.
• Define and drive the product roadmap for loan journeys across personal loans, BNPL, business loans, or other lending products Blostem operates.
• Work hand-in-hand with engineering on architecture decisions, API integrations with bureaus, banks, payment gateways, KYC partners, and account aggregators.
• Partner with risk and credit teams to translate policy, scorecards, and underwriting rules into scalable product flows.
• Instrument everything - define KPIs (funnel conversion, approval rate, TAT, NPA, CAC/LTV), set up dashboards, and use data to prioritize ruthlessly.
• Run experiments on UX, pricing, eligibility, and communications to improve conversion and reduce drop-offs.
• Leverage AI to accelerate delivery — whether that is using LLMs for document processing, customer support automation, fraud detection, personalization, or simply using AI coding tools to ship faster.
• Ensure compliance with RBI guidelines on digital lending (DLG, FLDG, data handling, DPDP Act) in close collaboration with legal and compliance.
• Write crisp PRDs, user stories, and specs that engineering and design can execute against without ambiguity.
What We're Looking For
Must-haves
• 4+ years of product management experience, with at least 2 years in digital lending, fintech, or a closely related domain (payments, credit cards, neobanking, embedded finance).
• Engineering background strongly preferred — B.Tech / B.E. / M.Tech in CS, IT, or a related discipline. You should be comfortable reading API docs, debating schema choices, and pushing back on engineering trade-offs.
• Demonstrated end-to-end ownership — you have shipped at least one lending or financial product from 0 to 1, or substantially rebuilt one from 1 to n.
• Deep understanding of the lending stack — LOS, LMS, credit bureaus (CIBIL, Experian, CRIF, Equifax), eKYC/vKYC, bank statement analyzers, account aggregators, NACH/eNACH, payment gateways, collections workflows.
• Strong analytical skills — SQL fluency, comfort with funnel analysis, cohort analysis, and A/B testing. Tools like Mixpanel, Amplitude, Clevertap, Metabase, or Looker.
• Regulatory awareness — working knowledge of RBI's Digital Lending Guidelines, DPDP Act, and consumer protection norms.
• Communication — ability to write clearly, present to leadership, and work across engineering, design, business, and external partners.
Nice-to-haves
• Hands-on AI fluency — you actively use tools like Claude, ChatGPT, Cursor, or similar in your workflow for PRD drafting, data analysis, prototyping, or shipping AI-native features inside the product. This is a genuine bonus.
• Prior experience at an NBFC, lending fintech, or a bank's digital lending arm.
• Experience with underwriting model design, alternate data sources, or building collections tech.
• Startup experience — you know how to operate with ambiguity and limited resources.
• Exposure to co-lending, FLDG partnerships, or marketplace lending models.
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