Product Manager

About BharatNXT

Small businesses often face operational cash flow challenges. BharatNXT bridges these gaps with on-demand financing options, streamlining payments (vendors, rent, taxes, utilities, etc.) and offering credit management tools to empower these businesses to seize opportunities and grow. Since inception, we have unlocked over $1+ Bn in credit across 1.5+ Mn small businesses.

BharatNXT is part of the Google for AI startups cohort: https://blog.google/intl/en-in/welcoming-the-inaugural-class-of-google-for-startups-accelerator-apps-2024/

and also featured in leading publications like Forbes: https://www.forbesindia.com/article/take-one-big-story-of-the-day/bharatnxt-the-bridge-to-effective-payments-solutions-for-smes/85941/1

We are seeking a Product Manager (3–5 years of experience) from fast-paced B2C fintech startups, with a deep understanding of payments & wallet products, and a strong emphasis on hands-on usage of AI tools and low-code platforms to design, prototype, and ship features more efficiently. This role demands full ownership of product outcomes, customer experience, and business metrics.

Non-Negotiables (Must Have)

• Strictly 3–5 years of experience as a Product Manager in B2C fintech startups (payments and/or lending)
• Strong hands-on experience in payments & wallet/PPI products, including:

# UPI

# Credit cards

# E-mandates

# Net banking

• Mandatory hands-on proficiency with AI tools and low-code platforms to:
• Rapidly wireframe and prototype user journeys
• Generate PRDs, flows, edge cases, and acceptance criteria
• Speed up experimentation and ship features faster
• Work independently without relying fully on design or engineering for early iterations
• Proven end-to-end ownership of product lifecycle, customer experience, and business KPIs
• Ability to drive cross-functional teams (engineering, design, data, ops) toward measurable outcomes
• Strong understanding of payment flows, failure handling, reconciliation, and compliance
• Excellent communication, analytical thinking, and problem-solving skills
• High agency, ownership mindset, and comfort operating in ambiguity

Good to Have / Bonus

• Experience in digital lending, especially unsecured lending (BL, CL, LOC, BNPL)
• Understanding of credit underwriting, bureau data, and regulatory frameworks
• Exposure to AI/ML models in credit risk, fraud detection, or decisioning
• Familiarity with tools such as Jira, Postman, SQL, Excel, Mixpanel, Power BI, MoEngage, and Microsoft Clarity

What Success Looks Like

• Faster ideation → validation → shipping cycles using AI-first workflows
• Highly reliable, scalable payments & wallet journeys
• Measurable impact on activation, conversion, retention, and revenue
• Strong execution with engineering while maintaining product speed and clarity

We are a small team of highly motivated people and want people who have a strong sense of ownership and passion for what they do. If you are expecting a 9-5 types, very well defined structured role - this is not the place for you. But if you are looking for a steep learning curve building innovation in the payment space and are ready to roll up your sleeves to get work done, we would love to hear from you!