Head of Product - Tech

Position Overview

We are seeking a dynamic professional to join our team as a Head Tech Product on a Full-time basis. The Role would encompass analyzing LOS, LMS, CRM API, UX Designer quality, applying Branch Expansion Tech activities, integrating customer data in Audit, Fraud Monitoring and RBI Automation and various Digital Initiatives.

About UGFL

UGFL is endeavouring to Building Institution with Execution Excellence. UGFLs philosophy is centered

around Customer People and Process Obsession. At UGFL we believe in Superior Execution and drive Unique and Differentiated Working Culture to be the Best Workplace- To Learn and Perform. UGFL provides a strong learning environment where need to people exceed their true potential. It follows the Kaizen Technique where Continuous process improvement drives operational efficiency.

At UGFL we drive Tech with Purpose for seamless Customer Acquisition and providing best customer experience and service. Our objective through Tech is to drive operation excellence and high productivity alongwith Robust Risk management and compliance.

UGFL aspires to be one of the Most Trusted and Preferred Choice for Gold Lending in the Country targeting AUM of 5000-6000 cr in next 5-7 years. It therefore offers a exciting opportunity for people to participate, grow and Learn in this Growth Journey.

Job Description

Job Title *

Tech Product Head

Reports To (Hiring Manager's name) *

MD& CEO

Category *

Technology

Work Type *

Full-Time

Work Location *

Mumbai, India

Location Type * Office Based

Office Based

The role involves analyzing LOS, LMS, API, CRM UX Designer quality, applying Branch Expansion Tech activities, integrating customer data in Audit, Fraud Monitoring and RBI Policies. The Role would require handing overseeing and supervising Team of 8-10 IT Professionals based out of Mumbai and Odisha and would require travelling on a regular basis.

Key Objectives

Work on existing solutions - Understand existing solutions, work on development, marketing and distribution along with sales team. Provide regular training to the sales teams on these existing solutions.

Review and upgrade existing products (Experian Scores, Trend Insights Reports & Credit Reports) when necessary

Own the end-to-end product lifecycle for Loan products across Gold Loan Business

Define the product vision, roadmap, and strategy aligned with business and regulatory goals.

Collaborate with technology, design, operations, compliance, and business teams to conceptualize and deliver impactful product features.

Translate customer and business needs into clear PRDs, wireframes, and user stories.

Ensure all features adhere to regulatory, risk, and compliance frameworks (RBI).

Track product adoption, engagement, and retention through data-driven metrics and analytics tools; optimize continuously for better user experience.

Work on new product design an ability to understand the business user's problem statement and be able to use Experian Bureau information to create an Analytical or Platform solutions.

Stay updated on market trends, RBI guidelines, and technology advancements in the Loan and Gold loan-tech domain.

Key Result Areas: -

Handling API, Team handling, IT Infrastructure, Integrating Internal Systems and Peer Bank systems for Co-lending etc.

Streamlining Loan Approval in LOS: Loan Origination System (Customer Information), LMS: Loan Management System (Accounting / Disbursement)

CRM: Customer Relation Management (Lead Generation, Loan Account number creation, KYC etc) To provide full information/knowledge to customers regarding the products and services, increase transparency and promote fair and cordial relationship.

Paper less process: -The application form indicates the documents required to be submitted with the application form. A list of documents/papers to be submitted along-with the application which will be specified in the application form.

Understanding of:

oFrontend: Angular or React-based web application

oBackend: Node.js (NestJS) microservices

oDatabase: PostgreSQL and MongoDB

oHosting Environment: AWS / Azure / GCP (Cloud-native architecture)

oStorage: Encrypted object storage (e.g., S3) for documents

oThird-Party Services: KYC, eSign, Credit Bureau, Payment Gateway APIs

oAccess Medium: Web browser (desktop/mobile), optional mobile app

Qualification and Key Skill Competencies

7 to 10 years of experience, B. Tech/M Tech with minimum 3 years in Bank/NBFC/BFSI Tech domain.

In-depth understanding of Loan platforms

Proven track record in managing digital products in NBFC, fintech, or Loan platforms.

Strong analytical, problem-solving, and stakeholder management skills.