Senior Technical Product Manager

Key Responsibilities

Product Ownership & Strategy

•    Own the full product lifecycle — ideation, prioritisation, build, launch, and iteration — across CarePal Money's lending platform.

•    Define and track product KPIs and OKRs; use funnel analysis and dashboards to drive measurable growth and optimisation.

•    Conduct market research, competitive benchmarking, and structured user feedback loops to inform the product roadmap.

•    Work directly with the founders and CEO to align product vision with business priorities.

Engineering Team Management

•    Directly manage the development team — engineers, QA, and design — as a hands-on technical lead and people manager.

•    Run Agile/Scrum ceremonies: sprint planning, stand-ups, retrospectives, and backlog grooming.

•    Set clear task priorities, unblock team dependencies, and hold accountability for delivery timelines.

•    Mentor team members and support their professional growth and performance.

Technical Execution

•    Drive seamless API integrations with NBFCs, credit bureaus, KYC providers, and healthcare platforms.

•    Author and review technical product specifications, API documentation, and integration flows.

•    Engage credibly in architecture and system-design discussions; be able to read code, write SQL queries, and challenge technical trade-offs.

•    Leverage low-code/no-code tools and rapid prototyping platforms where appropriate to accelerate delivery.

Lending Domain

•    Build intuitive, user-centric unsecured lending and healthcare finance products tailored to the Indian middle class.

•    Maintain a strong understanding of the end-to-end lending stack: LOS, LMS, risk, underwriting, and credit flows.

•    Ensure product compliance with RBI norms, KYC regulations, and lending guidelines.

Requirements

Must-Have

•    3+ years of product management experience in fintech, NBFC, healthcare finance, or B2C lending.

•    Proven experience directly managing or technically leading engineering/development teams in an Agile environment.

•    Strong technical foundation: comfortable with API documentation, basic SQL, and architectural discussions.

•    Degree from a Tier-1 Engineering Institute (IIT, BITS, NIT, or equivalent).

•    Track record of working with API integrations, credit bureau data flows, or NBFC partnerships.

•    Sharp analytical mindset: proficiency with product funnels, cohort analysis, and data dashboards.

•    Experience in fast-paced startups, ideally working directly alongside founders.

•    Working knowledge of the lending ecosystem: LOS, LMS, underwriting, credit scoring, and risk frameworks.

Nice to Have

•    Exposure to the healthcare ecosystem — hospital partnerships, EMI financing for treatment, or medical BNPL.

•    Understanding of RBI lending regulations, FLDG structures, or co-lending models.

•    Experience with low-code tools (Retool, Bubble, etc.) or rapid prototyping platforms.

•    Prior experience managing team performance reviews or hiring.