{"@context":"https://schema.org","@type":"JobPosting","title":"Product Manager — Lending Insights","description":"

Importance of the role

Setu’s Data & Identity Business Unit (BU) is building new rails to improve how India shares and

verifies user data in a secure, risk-mitigating, and consent-driven manner. We are currently building

a set of APIs to revolutionise the way data sharing takes place for a plethora of use-cases.

Lending is at the cusp of a digital revolution and democratisation, thanks to account aggregation and

its offshoot capabilities. This role is special, since it’ll give you a deep look inside the business

objectives and technical architecture of multiple companies across financial services. The learning

potential is immense!

What will you do at Setu?

In this role, you’ll spend your time—

● Product Development & Execution: Drive the vision and strategy for the Insights

Product, working closely with cross-functional teams to design and deliver analytics

solutions for credit risk, underwriting, and collections.

● Lending & Underwriting Solutions: Develop features around analyzing bank

statements, alternate data, and other financial data for risk assessment and underwriting

decisions. Oversee the creation of collections data modules to enhance risk mitigation

strategies.

● Risk & Financial Analysis: Leverage commercial credit underwriting knowledge and

financial risk modeling to build scalable and accurate risk analytics products. Guide the

development of solutions that transform business and financial data into actionable

insights.

● Team Leadership: Set clear goals and direction for the product team, providing regular

feedback to ensure alignment with business outcomes. Collaborate effectively with data

scientists, engineers, and stakeholders to ensure the successful execution of product

features.

● Application of Machine Learning: Work with machine learning models to evaluate

financial data points, such as bank statements and payments data to improve

decision-making processes for underwriting and risk assessment.

● Helping improve the performance of existing products. This covers driving data, sharing

volume, technical performance and uptime, and customer conversion analysis. You will

also establish close relationships with the product owners at our partners to understand

their concerns and requirements.

● Helping the Product team scope out pricing and market sizing for new products. This

would involve creating collaterals — one-pagers and decks — to pitch and close new

partnerships, alongside contributing individual analysis.

● Do whatever it takes to grow the Data Business Unit.

Who is the right fit for this role?

To excel in this role you will need—

● Experience: 2-3 years of experience in credit risk, lending, or underwriting product

management. Hands-on experience in financial risk modeling, cash flow forecasting, and

credit risk assessment.

● Industry Knowledge: Solid understanding of the underwriting process, commercial

credit, and financial risk management. Familiarity with alternative data sources and

analytics for lending is a plus.

● Technical Acumen: Ability to understand and work with machine learning models

applied to financial data. Experience with transforming data into actionable insights for

risk mitigation and decision-making.

● Unimpeachable integrity: You always keep your word, no matter what. And you do the

right thing, always. You own up to your mistakes and can reflect on your performance

objectively.

● High Agency & a bias for action: You’re someone who gets stuff done, highlights

problems and solves them. You’re able to work in zero-to-one environments. You will

ensure we find our way to product market fit with new initiatives or take our initiatives

that have found ground from 1, to 10, to 100.

● Strong organisational skills: As part of the role, you will need to be on top of multiple

threads between different internal and external stakeholders. You will do well if you have

a robust personal organisational system to keep track of all the moving parts.

● A keen analytical mind: You should be able to turn around a deck or a summary

document in tight timelines with minimal oversight. You should at least have a basic

understanding of personal finance management, cross selling and underwriting, as well

as how machine learning models can be applied to financial data.

● Familiarity with tools of the analytics trade: Decks, Docs, and Dashboards, with prior

exposure to writing basic SQL queries and modifying complex ones.

● A burning desire to learn and develop deep fintech expertise — building API

infrastructure is a lot harder (and more rewarding) than consumer fintech. You will need

to learn about:

○ Architecture of legacy systems: In order to break new ground and close

partnerships, you must first understand where existing systems are broken.

○ Setu platform architecture and the role of APIs in financial services.

● To be a technical wizard: Familiarity with API products or the financial services

ecosystem

Why Setu?

We will spare no efforts to ensure that Setu empowers you to do the most important and impactful

work of your career—

● Opportunity to work closely with the founding team who built and scaled public

infrastructure such as UPI, GST, Aadhaar, etc.

● We care deeply about your development. So we work hard to provide you with—

○ Exposure to other verticals such as strategy, engineering, business, etc.

○ A fully stocked library and unlimited book budget.

○ Tickets to conferences and industry events.

○ Weekly learning sessions on Friday where we invite both team members and

external experts to teach you something new.

○ Sponsored music classes where you can pick your choice of instrument from

Piano, Guitar, Drums, Violin, Trumpet, and even learn vocals—on the house!

● Attractive compensation. We don’t want money to ever be a worry. So you can focus on

doing your best work.

● Kick-ass benefits including comprehensive health insurance for you and your family,

extraordinary coffee, and a beautiful office with lots of solid wood and natural light.

● We work hard to make sure our team is diverse and varied. We interview and hire purely

on merit, skill and competence—everything else is irrelevant.

Our core DNA

Our culture code—How We Move, defines the behaviours we expect from our people. When you

display any of the six culture code elements, you demonstrate ‘Every Day is Game Day’. The six

elements of our culture code—

● Take the shot: You decide fast and deliver right.

● Sign your work like an artist: You master what you do and take pride in it.

● Be the sherpa: You lead your crew on every expedition.

● Be the CEO of what you do: You own it and make things happen.

● Care with tough love: You empower others with trust, respect, and openness.

● Own tomorrow: You innovate for the customer and beyond.

Join us if you want to be part of a company that’s building infrastructure that will directly impact

financial inclusion and improve millions of lives. No cashbacks, no growth-hacks, no gimmicks. Just

an audacious mission, and an obsession with craftsmanship in code.

","hiringOrganization":{"@type":"Organization","name":"Pine Labs","sameAs":"pinelabs.com"},"jobLocation":{"@type":"Place","address":{"@type":"PostalAddress","addressCountry":"IN","addressLocality":"Bangalore"}},"datePosted":"2025-03-01T00:00:00.000Z","validThrough":"2025-03-31","employmentType":"FULL_TIME","url":"https://www.pminterviewprep.club/jobs/pine-labs-product-manager-lending-insights"}

Product Manager — Lending Insights at Pine Labs - PM Job Opening