Product Management - Lending

Job Title / Designation: Product - Lending

Location: Noida

About IndiaMART

IndiaMART is India’s largest online B2B marketplace, connecting buyers with suppliers. With a 60%

market share of the online B2B Classified space in India, the channel focuses on providing a “360-degree

solution” to Small & Medium Enterprises (SMEs), Large Enterprises as well as individuals. Founded in

1999, the company’s mission is ‘to make doing business easy’ and is trusted with 138 mn+ buyers, 67

mn+ sellers, and has 76 mn+ products & services on its platform leading to 50 mn+ business enquiries

every month.

As the Head of Product – Lending Marketplace, you will lead the charter to build and scale product

systems that power credit delivery. You’ll drive everything from customer journeys to internal tools,

databases to reporting infrastructure. This is a foundational leadership role, working at the intersection

of tech, data, credit, operations, and compliance.

Key Responsibilities:

 Core Lending Stack

o Build and scale all borrower and partner journeys: onboarding, application, KYC, offer,

disbursal, servicing, repayment, and delinquency.

o Develop the architecture for LOS, LMS, rule engines, and internal operational tools.

o Integrate with partners: bureaus, NBFCs/Banks, GST, AAs, PAN, CKYC, DigiLocker, BBPS,

and more.

 Free Credit Score Product (Immediate Priority)

o Launch and scale a free credit score module for users.

o Integrate with bureaus (e.g., CRIF, Experian, CIBIL) to fetch and display score and report.

o Design user education flows on credit health, repayment behavior, and improvement

tips.

o Build funnels for upsell into lending and financial wellness products.

 Insurance & Wealth (Future-Ready Platform Build)

o Design product framework for embedded insurance (e.g., term, health, credit-life) with

contextual offerings during lending flows.

o Architect simplified journeys for seller-focused micro-investments, recurring deposits, or

mutual funds.

o Partner with insurance and wealth product providers to build APIs and co-branded

journeys.

o Ensure regulatory compliance (IRDAI, SEBI) and customer suitability logic is embedded.

 Decisioning, Risk & Lifecycle Infrastructure

o Manage rules engine, scorecard integration, real-time checks, fraud layers, and partner

fallback logic.

o Own architecture for lifecycle actions: reminders, upsell triggers, payment follow-ups,

collections flows.

 Internal Systems & Ops Tooling

o Build intuitive CRMs, dashboards, and case management tools for support, credit ops,

and collections teams.

o Define monitoring and alerting layers for partner SLAs, exception handling,

reconciliation, and financial reporting.

 Data, Reporting & Governance

o Define data schema and tables in collaboration with engineering and analytics teams.

o Enable regulatory, business, and risk reporting: credit bureau pulls, performance

metrics, RBI-ready compliance logs.

 Cross-Functional Execution

o Collaborate with Engineering, Analytics, Legal, Compliance, Marketing, and Business

teams to ship features.

o Drive alignment across priorities, write specs, manage releases, and own platform

performance KPIs.