Product Manager

About the Organization:

Established in 2019, Credit Saison India (CS India) is one of the country's fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India's huge gap for credit, especially with underserved and under penetrated segments of the population.

Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.

Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 2000 employees.

Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.

Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan's largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International's global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.

Experience: 2-4 Years

Location: Mumbai

About the Role:

You will own the core platforms driving our expansion in the LAP - Direct vertical, primarily focusing on a best-in-class Sales App to fast-track ground sales capabilities. This app is the critical engine for scaling field workflows, managing the RO (Relationship Officer) to SM (Sales Manager) hierarchy, and boosting measurable sales and credit productivity across Tier 2/3 locations.

Key Responsibilities:

• Drive RO & SM Productivity: Own app-driven initiatives to hit aggressive productivity targets. Drive metrics around lead tracking, incentive nudges, and faster responses to pendencies.
• End-to-End Execution: Deliver decisive, research-backed PRDs based on competitive benchmarking and direct field feedback. Steer initiatives from conceptualisation -> UAT -> Go Live -> Adoption.
• On-Ground Empathy: Travel regularly to our Tier 2/3 branch locations to benchmark ease-of-processing and ensure the app removes technical constraints, guaranteeing a seamless field experience.

Must-Haves:

• 2-4 years of PM experience. Prior hands-on experience building/scaling mobile tools for field staff management (e.g., remote sales, collections) is an absolute must.
• Lending Domain knowledge: Prior lending experience is a must. Experience with secured loans (LAP, Home Loans) is a massive plus.
• High Agency: You can ruthlessly prioritize, overcome cross-functional barriers, and deliver high-quality work iteratively in a fast-paced environment.

What will make you stand out:

• AI-Native Mindset: We are actively operationalizing an AI integration framework expected to significantly lift our operational delivery efficiency. Standout applicants can comfortably describe real-world experiments with AI tools they've personally used to accelerate their work