01Overview
About the role
Credila Financial Services Limited (Formerly known as HDFC Credila Financial Services Limited) is one of Indias largest education loan non-banking financial companies (NBFCs) offering education loans to Indian students. With an in-depth understanding of the higher education domain in India as well as overseas, Credila offers tailor-made education loan solutions that help enable students to be financially equipped to pursue their education at their dream university and country of study. Since inception, Credila has funded 178,000+ Indian students across 63 countries in 4,600 institutes
Broad roles and responsibilities :
- Product Strategy & Roadmap: Define and execute the product strategy and technical roadmap for lending technology solutions. Prioritise features and enhancements based on business objectives, market trends in fintech/lending, and stakeholder feedback, especially focusing on digital lending innovations.
- Cross-Functional Collaboration : Work closely with engineering, design, credit risk, operations, and compliance teams to translate business needs into technical requirements and user stories. Ensure alignment across teams and successful, on-time delivery of product features.
- Gen AI Led Innovation for Digital Lending Platform: Lead Gen AI based innovation across end-to-end life cycle of lending solution i.e. right from lead generation till account is closed
- Solution Integrations: Oversee and coordinate integration of any bought out solution with internal banking systems and third-party services (e.g. credit bureaus, payment gateways, KYC providers) to expand platform functionality and ensure smooth data flow across all systems.
- Vendor Management: Manage relationships with external technology vendors and solution partners involved in lending system development or services. Ensure vendors meet delivery timelines, quality standards, and compliance requirements while integrating their solutions with our platform.
- User Feedback & Iteration: Engage with users (both internal stakeholders and customers) to gather feedback on product performance. Use insights and lending market research to drive continuous improvements, user experience enhancements, and innovative solutions that meet evolving customer needs.
- Quality Assurance & Compliance: Collaborate with QA and compliance teams to ensure new lending product features meet regulatory standards (e.g. RBI guidelines) and maintain high performance, security, and reliability. Monitor product KPIs and troubleshoot issues promptly to ensure a robust, compliant platform.
Required Skills:
1. Domain Expertise: In-depth understanding of any of lending products and processes e.g., personal loans, home loans, education loans and familiarity with Loan Origination Systems (LOS) or Loan Management Systems (LMS) .
2. Technical Skills: Good grasp of software development (desirable) and system integration principles. Experience using Gen AI, Prompt based design, development. Working with databases and fintech platforms, and managing end-to-end technical projects. Ability to work closely with engineering teams to evaluate technical solutions and ensure scalable, high-performance product implementations. Ability to traditional AI/ML solution to Gen AI and Agentic AI for product development.
- Product Management: PRDs, Roadmaps, GTM Planning, A/B Testing, Wireframing, Agile/Scrum, Stakeholder Management, Feature Prioritization
- Product Analytics: SQL, Statistical Analysis, Cohort Analysis, Funnel Analysis, Data Modelling, Data Visualisation, Conversion Optimisation
- Tools: Ability and experience to use Cursor, Claude, Lovable, JIRA, Confluence, Postman, Figma, MS Office, Google Workspace, Google Analytics, Redash, Tableau, Salesforce
- Technical : APIs, JSON, API Design, Developer Documentation, Payment Gateways, SDKs, HTML, CSS, JavaScript
1. Leadership & Collaboration: Excellent stakeholder management and communication skills. Proven ability to work cross-functionally and coordinate between business, technical teams, and external partners/vendors. Strong problem-solving skills and a data-driven mindset for making product decisions.
2. Adaptability: Self-starter attitude with the ability to manage multiple priorities in a fast-paced fintech workplace. Up-to-date on digital lending trends and emerging technologies, with a passion for innovating financial products.
Qualifications & Experience :
- Educational Background: Bachelors degree from a premier engineering institute in India (such as IIT, NIT, BITS) is required . An MBA from a Tier-1 institute (IIM or equivalent) is highly desirable .
- Experience: 610 years' experience with minimum 4- 5 year in Product management in the lending/financial services sector , particularly in Technical Product Management roles. Demonstrated success in managing technology-driven projects in loan origination, loan servicing, or digital lending is required.
- Excellent verbal and written .
