Product Manager – Growth & Banking Products

Company: Creditas Solutions
Location: Gurugram, Haryana
Experience: 2–6 Years
Industry: Fintech | Banking | Digital Financial Products

About Creditas

Creditas Solutions is a financial technology company focused on delivering innovative digital solutions to banks and financial institutions. We combine technology, analytics, and customer-centric product innovation to help our banking partners enhance customer engagement, streamline digital journeys, and accelerate business growth.

Our solutions support a wide range of retail banking products, including Credit Cards, Personal Loans, EMI, and other financial services.

Position Overview

We are looking for a dynamic, growth-oriented Product Manager to join our Product & Solutions Team.

This role combines Product Management, Business Growth, and Stakeholder Management, with a strong focus on scaling existing banking products and identifying new business opportunities.

You will work closely with banking partners and internal cross-functional teams to drive product adoption, improve customer journeys, increase conversions, and deliver measurable business outcomes.

The ideal candidate should have a strong understanding of banking products, an analytical mindset, excellent stakeholder management skills, and a passion for driving business growth through technology and innovation.

Key Responsibilities

1. Product Growth & Business Ownership

• Drive growth for existing banking products, including Credit Cards, Loans, EMI, and other retail banking offerings.

• Identify opportunities to increase customer acquisition, activation, engagement, usage, and revenue.

• Develop and execute growth strategies in collaboration with banking partners.

• Monitor product performance and take ownership of key business metrics, including conversions, disbursals, card issuance, activation, and revenue.

2. Product Strategy & Management

• Own the end-to-end product lifecycle, from identifying business requirements and defining product roadmaps to development, launch, and optimization.

• Understand customer pain points, business requirements, and existing workflows to develop effective product solutions.

• Identify opportunities to enhance existing digital journeys and introduce new features that improve customer experience and business performance.

• Prioritize product initiatives based on customer impact, business value, and implementation feasibility.

3. Banking Partner & Stakeholder Management

• Build and maintain strong working relationships with key stakeholders at partner banks.

• Collaborate with Business, Product, Risk, Operations, Technology, and Analytics teams to drive business objectives.

• Conduct regular performance reviews with stakeholders to identify growth opportunities and resolve operational bottlenecks.

• Act as the primary point of coordination for assigned product initiatives, ensuring alignment between internal teams and banking partners.

4. Business Analytics & Performance Optimization

• Analyze customer journeys, conversion funnels, campaign performance, and product adoption trends to identify improvement opportunities.

• Leverage data and customer insights to drive business decisions and product enhancements.

• Identify customer drop-off points, process inefficiencies, and conversion barriers, and implement corrective actions.

• Track business KPIs and measure the impact of product and growth initiatives.

5. Cross-Functional Collaboration & Execution

• Work closely with Engineering, Design, Analytics, Operations, and Business teams to deliver product enhancements.

• Translate business requirements into clear product specifications and actionable development plans.

• Coordinate product testing, deployment, and rollout activities.

• Ensure timely execution of initiatives while maintaining high standards of product quality and customer experience.

6. Innovation & Continuous Improvement

• Stay informed about emerging trends in digital banking, fintech, and customer engagement.

• Explore opportunities to leverage automation, AI, and digital technologies to improve product performance.

• Conduct competitive benchmarking and identify best practices that can be implemented across banking products.

• Continuously optimize existing products to deliver sustainable business growth.

Qualifications & Experience

• 2–6 years of relevant experience in Product Management, Business Growth, Digital Banking, or related roles, preferably in Banks, NBFCs, or Fintech companies.

• Strong understanding of retail banking products, particularly Credit Cards, Personal Loans, EMI, and related digital banking journeys.

• Proven ability to drive product growth, improve conversions, and deliver measurable business outcomes.

• Experience managing relationships with business stakeholders and cross-functional teams.

• Strong analytical and problem-solving skills, with the ability to translate data and customer insights into actionable business strategies.

• Understanding of product management frameworks, product lifecycle management, and Agile methodologies.

• Experience in defining product requirements, managing roadmaps, and coordinating product launches.

• Excellent communication, presentation, negotiation, and stakeholder management skills.

• Ability to independently manage initiatives and work effectively in a fast-paced environment.

• Bachelor's degree in Engineering, Business, Technology, or a related field. An MBA or advanced degree is preferred.

What Makes You a Great Fit?

• You enjoy taking ownership of business outcomes, not just product features.

• You understand how banking products work and what drives customer adoption and growth.

• You can collaborate effectively with senior banking stakeholders and internal teams.

• You are comfortable using data to identify opportunities and make business decisions.

• You can balance product strategy with hands-on execution.

• You thrive in an environment where innovation, accountability, and measurable impact matter.