Lead Product Manager

About Flexmoney

Flexmoney's mission is to Re-imagine Consumer Credit for the mobile-first digital

consumer. Our omni-channel embedded finance and affordability platform enables

merchants, brands and partners to seamlessly embed contextual affordability options across

all customer touchpoints and sales channels, so as to drive higher conversion and increase

customer satisfaction and loyalty. We work with trusted lending partners (Banks, NBFCs,

FinTechs) to develop and offer RBI-compliant, digital credit products embedded in consumer

journeys.

Flexmoney was instrumental in working with Banks and merchants to create and establish

the Cardless EMI product category in the market, enabling lenders to offer a fully digital

transacting EMI instrument to their users at checkout without the need for a credit card.

Our market-leading Cardless EMI platform powers affordability for 68,000+ online

merchants (including direct integration with marquee merchants Flipkart, Amazon and

MakeMyTrip) across categories such as travel, insurance, home, fashion, sports, electronics,

mobiles, health and wellness. We offer the largest supply of pre-approved digital EMI

credit lines (73M+) to help drive best-in-class digital affordability coverage and conversion

for our merchants and brand customers.

To power the next phase of Flexmoney's growth, we are bringing to market a best-in-class

Omni-channel Embedded Finance and Affordability Suite - InstaCred 360. Our new platform

will enable merchants, brands and partners to seamlessly embed digital financing options

across all sales channels: online, telesales, in-store and field-sales, enabling sales associates

to drive higher conversion by surfacing actionable digital affordability options to the consumer

much higher up the sales funnel.

InstaCred 360 will enable Flexmoney to deliver omni-channel affordability solutions to

merchants for finance-led segments such as Edtech, Travel, Home, Insurance, Mobiles,

Home, Health & Wellness etc

Role Overview:

We're looking for a Product Lead to own and drive the product vision, strategy, and

execution for Flexmoney's affordability platform. This is a high-ownership role for someone

who has built and scaled enterprise / B2B products from early traction to meaningful scale —

ideally through the 1→10 and 10→100 phases. You will lead a team of 6–7 product managers

and work at the intersection of merchants, lenders, and consumers to build the infrastructure

that makes EMI-based purchases seamless across India's merchant network.

This is not a maintain and optimize role. We need someone who can think from first

principles, make hard trade-offs, and build products that merchants and lending partners

genuinely want to adopt and scale with.

Key Responsibilities:

• Own the end-to-end product roadmap for Flexmoney's affordability platform —

spanning merchant-facing tools (onboarding, checkout SDK, merchant dashboard),

lender integrations, and consumer EMI experiences.

• Define and drive product strategy aligned with business goals, working closely with

the CEO, engineering, business, and lending partnerships teams.

• Lead, mentor, and scale a product team of 6–7 PMs — setting the bar for rigour in

problem definition, prioritisation, and execution.

• Be the voice of the merchant. Deeply understand merchant and enterprise partner

needs, pain points, and workflows to build products that drive adoption, activation,

and retention.

• Drive platform scalability — you've been through the messy middle of scaling a product

from early-stage traction to a platform serving thousands of businesses, and you know

what breaks and what holds.

• Own key product metrics: merchant activation rates, EMI transaction conversion,

disbursal throughput, lender partner NPS, and platform reliability.

• Work with engineering to make smart technical trade-offs, manage debt, and ship with

velocity without compromising quality.

• Build and institutionalise product processes — discovery, spec writing, sprint planning,

launch readiness, and post-launch reviews — appropriate for Flexmoney's stage.

Must-Have:

• 8+ years of product management experience, with at least 3–4 years in Ecommerce /

Enterprise / B2B product roles.

• Demonstrated experience scaling products through the 1→10 and 10→100 growth

phases — not just 0→1 ideation.

• Strong merchant-facing or partner-facing product experience — you've built products

where the buyer is a business (not a consumer), and you understand enterprise sales

cycles, integration complexity, and partner success.

• Experience managing and growing a product team of 6+ people, including hiring,

coaching, and performance management.

• Ability to operate at both the strategic (quarterly roadmap, market positioning) and

tactical (user stories, edge cases, release management) levels.

• Strong analytical skills — comfortable with data, metrics, and making decisions with

imperfect information.

• Excellent communication and stakeholder management skills, particularly with C-

suite, engineering leadership, and external partners.

Strong Bonus:

• Prior experience in lending, fintech, payments, or consumer credit / EMI infrastructure.

• Familiarity with India Stack (Aadhaar, UPI, BBPS, Account Aggregator) and how it

shapes product design in financial services.

• Experience with platform / marketplace dynamics — multi-sided products where you're

serving merchants, lenders, and consumers simultaneously.

• Background in checkout, payment gateway, EMI, or point-of-sale product ecosystems.

Why Flexmoney

• You'll be the senior-most product leader in the company, with a direct line to the CEO

and real influence on company direction.

• Flexmoney sits at the intersection of affordability, payments, and commerce —

powering how India's merchants make purchases accessible through EMI.

• Small, high-calibre team (60 people) with deep domain expertise in banking,

consumer internet, and infrastructure — zero bureaucracy.

• The product-market fit is proven with 73M+ credit-verified users and 68,000+

merchants. The opportunity now is to scale — which is exactly the kind of problem this

role is designed to solve.