Job Description – Product Manager (Commercial & Business Banking Lending)
Experience - 4–6 Years
Role Summary
Seeking a Product Manager with experience in Commercial Banking and Lending products who can work with business stakeholders, technology teams, and operations to define, build, and enhance digital lending solutions. The candidate should have a strong understanding of commercial lending processes and a basic understanding of AI-driven banking solutions.
Key Responsibilities
Product Management
Gather and document business requirements.
Create user stories, product specifications, and acceptance criteria.
Work closely with engineering, UX, QA, and business teams.
Support product roadmap planning and feature prioritization.
Participate in Agile ceremonies including sprint planning and backlog grooming.
Track product performance and customer feedback.
Commercial Lending Domain
Good understanding of:
Business Loans
Working Capital Finance
Cash Credit (CC)
Overdraft (OD)
Trade Finance
SME/MSME Lending
Loan Origination Systems (LOS)
Credit Assessment Processes
Loan Disbursement and Servicing
Stakeholder Management
Coordinate with Relationship Managers, Credit Teams, Operations, Risk, and Compliance teams.
Translate business needs into functional requirements.
Support UAT and production rollout activities.
AI & Digital Banking Exposure
Generative AI
Machine Learning concepts
AI-powered document processing
Chatbots and Virtual Assistants
Lending automation use cases
Ability to identify opportunities where AI can improve customer experience and operational efficiency.
Required Skills
4+ years of Product Management, Business Analysis, or Banking Domain experience.
Experience in Commercial Banking or Lending products.
Knowledge of Loan Origination and Credit Lifecycle.
Strong requirement gathering and documentation skills.
Experience with Agile/Scrum methodologies.
Knowledge of APIs, integrations, and digital banking platforms.
Strong communication and stakeholder management skills.
Preferred Qualifications
MBA, B.Tech, BCA, MCA, Finance, or related degree.
Experience in FinTech or Banking Technology projects.
Certifications in Product Management, Agile, or Scrum are preferred.
Nice to Have
Exposure to lending platforms such as nCino, Finastra, or Temenos.
Understanding of AI tools and digital transformation initiatives in banking.
Ideal Candidate: A product professional with 4–6 years of experience in commercial/business banking who understands lending products, can collaborate with technology teams, and has curiosity and awareness of AI-driven banking innovations.