Product Owner

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Role Overview
We are looking for an experienced Tech Product Owner - Lending to own the end-to-end product lifecycle of our lending portfolio. This is a hands-on technical product role where you will work embedded with engineering teams in an Agile/Scrum environment. You will drive product strategy, write detailed technical requirements, and collaborate daily with developers, QA, and DevOps to ship high-quality lending products.
Key Responsibilities
Agile Product Ownership
Act as Product Owner in Scrum teams, owning and prioritizing the product backlog
Run sprint planning and backlog grooming meetings with engineering teams
Write clear user stories with acceptance criteria in INVEST format
Make prioritization decisions and unblock the team
Product Strategy & Roadmap
Define and own the lending product roadmap aligned with business objectives
Conduct market analysis, competitive research, and customer insights to identify opportunities
Prioritize features based on customer value, business impact, and technical feasibility
Break down epics into deliverable vertical slices for iterative releases
Technical Product Development
Lead end-to-end product development: ideation, requirements, UAT, launch, and iteration
Write detailed PRDs with technical context (API specs, data flows, system dependencies)
Work closely with backend, frontend, mobile engineers and QA on technical feasibility and trade-offs
Participate in API contract reviews and integration planning
Feature Ownership
Origination Digital loan applications, instant eligibility checks, e-KYC and e-signature flows
Loan Products Revolving credit lines, short-term loans, instalment loans, and buy-now-pay-later
Pricing & Limits Interest rate and fee structures, credit limit management, tenors
Repayment Flexible repayment schedules, early settlement, auto-debit, payment reminders
Collections Delinquency prevention, grace periods, dunning workflows, restructuring, write-off handling
Customer Experience Loan tracking, balances and statements, self-service on mobile app, push notifications
Platform Responsibility
Cake App (End-user) Own lending features on mobile app - loan application, repayment, transaction history, statements, notifications
Cake Portal (Bank Staff) Own internal tools for lending operations - approval workflows, limit adjustment, dispute handling, collections, customer support workflows
Lending Platform (Backend) Own product rules and loan lifecycle configuration across origination, loan management, and core banking integrations
Stakeholder Management
Partner with Risk, Credit, Compliance, Operations, Collections, Finance, Customer Service, and Business Development teams
Present product updates, performance, and roadmap to leadership and stakeholders
Manage vendor relationships (credit bureaus, e-KYC providers, payment and collections partners)
Analytics & Optimization
Define KPIs: approval and take rates, activation, utilization, delinquency, revenue, unit economics, NPS
Analyze portfolio performance and drive data-driven improvements
Design and run experiments (A/B tests) on pricing, limits, tenors, and collections treatments; scale what wins
Partner with Finance and Data to maintain an accurate, agreed view of product performance in the market and in the books