Product Manager - Credit Cards

About Bachatt :

Bachatt has transformed how India saves. Bachatt is a young Indian fintech startup founded by 3 friends from IIT/IIM with 10+ years of relevant experience ( https://bachatt.app). Bachatt provides a savings and investment platform to specifically target over 30 crore self-employed individuals in India, who find regular mutual funds and investment platforms daunting. often have irregular income streams.

Bachatt is on a mission to bring over 30 crore Indians to invest in mutual funds, and generate wealth beyond the usual instruments of FDs and Post Office schemes. Further, the vision is to empower them to access the full suite of financial products like loans, insurance and credit cards, in a simplified and curated experience, like an offline insurance or mutual fund agent provides them.

The company was founded in November 2024 and raised over $15 million in two rounds of funding, by leading marquee investors of the likes of Lightspeed Venture Partners, Info Edge Ventures and others.

Founders : Anugrah Jain (CEO), Ankur Jhavery, and Mayank Agarwal

About the role:

Years of experience: 2-4 years

Location: Gurgaon

Bachatt is hiring a Product Manager – Credit Cards to help build and optimize our credit card product journey. This role is ideal for someone with 2–4 years of product experience in fintech, lending, or credit cards, with strong execution capabilities and customer journey understanding.

You will work closely with business, engineering, design, analytics, growth, and banking partners to improve the end-to-end credit card customer experience.

Key Responsibilities

1) Product Execution

• Manage and improve the end-to-end credit card user journey:
• Card discovery
• Eligibility checks
• Comparison flows
• Application journey
• KYC/document collection
• Approval tracking
• Activation journey
• Translate business requirements into product requirements, user stories, and execution plans.
• Work with engineering and design teams to deliver product enhancements.

2) Funnel Optimization

• Analyze conversion funnels and identify user drop-offs.
• Improve application completion and approval rates through product improvements.
• Run A/B tests and experiments to optimize user journeys.

3) Partner Coordination

• Coordinate with bank/card issuer partners for product integrations and feature launches.
• Support onboarding of new credit card partners.
• Work with internal and external stakeholders to resolve product/process gaps.

4) Analytics & Performance Tracking

Monitor key product metrics including:

• Lead to application conversion
• Application completion rate
• Approval rate
• Activation rate
• Funnel drop-offs
• Partner performance metrics

5) Cross-functional Collaboration

Work closely with:

• Engineering
• Design
• Analytics
• Growth
• CRM
• Operations
• Compliance
• Business teams

6) Market Understanding

• Track competitor products, customer journeys, and market trends in the credit card ecosystem.
• Share insights and recommendations for product improvements.

Ideal Candidate

• 2–4 years of Product Management experience
• Experience in credit cards / lending / fintech / banking products
• Good understanding of:
• Credit card customer lifecycle
• Consumer fintech journeys
• Product analytics
• A/B testing / experimentation
• API-based integrations
• Strong execution and stakeholder management skills
• Comfortable working in fast-paced startup environments