Founding Product Manager, NIRA

Tilth

Job Overview

Location

Hybrid - Bengaluru, India

Job Type

Full-time

Full Job Description

📋 Description

• Drive the end-to-end product strategy for NIRA, India’s growing fintech lender, as the first Product Manager on the team, shaping a new credit product from 0-to-1 on top of India’s rapidly evolving financial infrastructure including Account Aggregator, Credit Line on UPI, and the Unified Lending Interface.
• Own the entire lending funnel as a product system — from user acquisition to approval and disbursal — identifying high-leverage interventions in UX, policy, pricing, and segmentation, and being directly accountable for improving conversion, approval rates, and disbursal speed.
• Translate deep, continuous qualitative borrower research with hard quantitative data into foundational product direction and nuanced UX decisions, ensuring the product reflects real user behaviors and needs.
• Build and refine the Short Term Credit product by defining core hypotheses, segmenting target user bases, identifying critical early use cases, and architecting the end-to-end borrower experience in alignment with evolving credit policy.
• Own the product roadmap and translate business goals and customer insights into clear initiatives, measurable outcomes, and priorities that directly move company-level OKRs, defending decisions with data-driven rationale.
• Use AI tools like Claude actively and effectively to accelerate hypothesis testing, spec writing, analysis, prototyping, and discovery — treating AI as a force multiplier for personal output, not a novelty.
• Operate with high ownership in a small, high-velocity team based in Bengaluru, collaborating with international product and leadership teams while maintaining direct accountability for outcomes.
• Work cross-functionally with credit, compliance, engineering, and operations stakeholders, translating product thinking into clear, compelling narratives for non-product teams with equal fluency.
• Prioritize ruthlessly under resource constraints, cutting scope to preserve core product intent rather than requesting additional headcount, and making decisions with 70% information when the cost of delay exceeds the cost of error.
• Build explicit systems models to understand stocks and flows in the lending process, name assumptions, and identify which assumptions are most likely to break — applying systems thinking to product design and policy.
• Run your own data queries and build your own models to produce consistently accurate, error-free analysis; let data be the starting point for decisions, not a backup for intuition.
• Maintain a quantitative default mindset: change your position based on data without requiring permission or second opinions, and act decisively even in ambiguity.
• Contribute to a culture of excellence and impact, where good ideas travel quickly, contributions are recognized beyond rigid promotion timelines, and mutual respect is non-negotiable.
• Participate in global team onsites twice yearly, fostering connection and collaboration across 14 countries and 12 time zones.

🎯 Requirements

• Proven experience in fintech or non-bank lending, with a preference for experience over traditional banking
• Demonstrated ability to own end-to-end product strategy and execution, from 0-to-1 product development through scaling
• Strong quantitative skills: ability to run independent data queries, build models, and produce accurate, error-free analysis
• Experience working in resource-constrained environments with high ownership and minimal oversight
• Excellent cross-functional communication skills, especially with credit, compliance, and engineering teams
• Comfort and proficiency using AI tools (e.g., Claude) to accelerate product work

🏖️ Benefits

• Competitive compensation packages with generous equity
• Virtual-first teamwork with WFH office reimbursement
• Flexible health plans with substantial global-standard subsidies
• Direct exposure to leadership team and rapid idea escalation
• Paid global onsites twice yearly (e.g., Vail, San Diego, Mexico City)
• Growth opportunities tied to contributions, not rigid promotion timelines

Skills & Technologies

Product Management

Hybrid

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About Tilth

Tilth provides a unified platform that automates bookkeeping, payroll, bill pay, and tax preparation for modern ecommerce and DTC brands. It ingests data from Shopify, Amazon, Stripe, and banks, then produces GAAP-compliant financial statements, cash-flow forecasts, and investor-ready reports in days instead of months. The company combines software with a dedicated finance team to handle daily bookkeeping, monthly closes, and sales-tax filings, eliminating spreadsheets and manual reconciliations. Designed for fast-scaling companies, Tilth delivers real-time dashboards, scenario planning, and CFO-level insights so founders can focus on growth rather than back-office tasks.

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