Product Manager

About BharatNXT Small businesses often face operational cash flow challenges. BharatNXT bridges these gaps with on-demand financing options, streamlining payments (vendors, rent, taxes, utilities, etc.) and offering credit management tools to empower these businesses to seize opportunities and grow. Since inception, we have unlocked over $1+ Bn in credit across 1.5+ Mn small businesses.

BharatNXT is part of the Google for AI startups cohort: https://blog.google/intl/en-in/welcoming-the-inaugural-class-of-google-for-startups-accelerator-apps-2024/ and also featured in leading publications like Forbes: https://www.forbesindia.com/article/take-one-big-story-of-the-day/bharatnxt-the-bridge-to-effective-payments-solutions-for-smes/85941/1 We are seeking a Product Manager (3–5 years of experience) from fast-paced B2C fintech startups, with a deep understanding of payments & wallet products, and a strong emphasis on hands-on usage of AI tools and low-code platforms to design, prototype, and ship features more efficiently. This role demands full ownership of product outcomes, customer experience, and business metrics. Non-Negotiables (Must Have) Strictly 3–5 years of experience as a Product Manager in B2C fintech startups (payments and/or lending) Strong hands-on experience in payments & wallet/PPI products, including: # UPI # Credit cards # E-mandates # Net banking Mandatory hands-on proficiency with AI tools and low-code platforms to: Rapidly wireframe and prototype user journeys Generate PRDs, flows, edge cases, and acceptance criteria Speed up experimentation and ship features faster Work independently without relying fully on design or engineering for early iterations Proven end-to-end ownership of product lifecycle, customer experience, and business KPIs Ability to drive cross-functional teams (engineering, design, data, ops) toward measurable outcomes Strong understanding of payment flows, failure handling, reconciliation, and compliance Excellent communication, analytical thinking, and problem-solving skills High agency, ownership mindset, and comfort operating in ambiguity Good to Have / Bonus Experience in digital lending, especially unsecured lending (BL, CL, LOC, BNPL) Understanding of credit underwriting, bureau data, and regulatory frameworks Exposure to AI/ML models in credit risk, fraud detection, or decisioning Familiarity with tools such as Jira, Postman, SQL, Excel, Mixpanel, Power BI, MoEngage, and Microsoft Clarity What Success Looks Like Faster ideation → validation → shipping cycles using AI-first workflows Highly reliable, scalable payments & wallet journeys Measurable impact on activation, conversion, retention, and revenue Strong execution with engineering while maintaining product speed and clarity We are a small team of highly motivated people and want people who have a strong sense of ownership and passion for what they do.

If you are expecting a 9-5 types, very well defined structured role - this is not the place for you. But if you are looking for a steep learning curve building innovation in the payment space and are ready to roll up your sleeves to get work done, we would love to hear from you!