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


Are you ready to shape the future of fintech in India? We're seeking a dynamic individual to be part of the Product function.. As a Product Manager at BharatNXT, you'll be given a very open minded and collaborative environment to really drive industry leading innovation and deliver exceptional solutions.


Key Responsibilities:


Product Strategy:

  • Develop and execute a comprehensive product strategy aligned with the company's overall business objectives.
  • Identify market opportunities and emerging trends in the fintech industry, particularly in payments and credit underwriting.
  • Conduct thorough market research and competitive analysis to inform product decisions.


Product Development:

  • Define product requirements and create detailed product specifications.
  • Collaborate closely with cross-functional teams, to deliver high-quality products.
  • Prioritize features and functionalities based on business impact and customer needs.
  • Oversee the entire product development lifecycle, from ideation to launch and post-launch support.


Data and AI Integration:

  • Work on integrating alternative data sources and develop advanced ML models for credit risk assessment.
  • Continuously refine and optimize ML models to improve accuracy and predictive power.
  • Ensure data quality and privacy compliance throughout the product development process.


User Experience:

  • Design intuitive and user-friendly interfaces for both internal and external users.
  • Conduct user research and usability testing to gather feedback and optimize the user experience.
  • Collaborate with UX designers to create visually appealing and engaging user interfaces.


Product Launch and Go-to-Market:

  • Develop a comprehensive go-to-market strategy, including marketing and sales enablement.
  • Collaborate with marketing and sales teams to educate the market and generate demand for the product.
  • Launch the product successfully and ensure a smooth transition to production.


Required Skills and Experience:

  • Proven experience as a product manager in the fintech industry, with a focus on payments and credit underwriting or related fields.
  • Strong understanding of credit risk assessment, underwriting principles, and regulatory requirements.
  • Deep knowledge of AI, ML, and data science techniques, particularly as applied to credit risk modeling.
  • Excellent analytical and problem-solving skills.


Additional Considerations:

  • Domain Expertise: A strong understanding of the financial services industry, particularly payments, lending and credit, is highly desirable.
  • Technical Proficiency: Experience with data engineering, cloud platforms (e.g., AWS, GCP), and data visualization tools is beneficial.
  • Business Acumen: A strong understanding of various business models will be key.
  • Strong drive and passion: You absolutely need this to thrive in a fast-paced startup environment.


Qualifications:

  • More than educational qualifications, we value experience and passion
  • (MUST) 2-5 years of relevant work experience in Product Management (Anyone with no Product Management experience will be automatically filtered out, pls do NOT apply)
  • Prior Fintech experience - Highly preferred
  • Prior startup experience/BFSI/Financial Services experience is also valuable


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!