Product Lead

Product Head, Financial Services Designation: Product Head Level: C2 Grade: Deputy Vice President (DVP) Location: Gurgaon Organization: Airtel Payments Bank About Airtel Payments Bank Airtel Payments Bank is making banking accessible, simple and inclusive for every Indian – serving the unbanked and underserved through digital banking and one of the country's largest distribution networks. We are looking for a Product Head to lead our Financial Services business, with lending as the primary mandate.

Responsibilities

• Summary The Product Head – Financial Services owns product strategy and outcomes across Lending, Insurance, Wealth, Plans and emerging financial services, with lending as the core focus.
• Working closely with Business, Technology, Partnerships, Risk, Compliance, Analytics, Operations and Distribution, the role drives acquisition, engagement, monetisation and long-term customer value through compliant, commercially viable products.
• The ideal candidate combines deep lending expertise with strong product leadership, a sharp understanding of the Indian financial services ecosystem and partner-led models, and a track record of execution.
• Key Responsibilities 1.
• Lending Strategy & Portfolio Growth ● Define the multi-year lending strategy – target segments, product sequence, partnership and capital models – and own the portfolio across personal loans, consumer credit, merchant and retailer financing, credit lines, secured products (gold, two-wheeler), credit cards and new credit constructs. ● Identify credit white spaces across the Airtel ecosystem (Airtel Thanks, retailer and distributor network, merchants) and design embedded credit propositions, balancing growth with portfolio prudence.
• 2.
• Insurance, Wealth & Adjacent Products ● Set the product vision and roadmaps for Insurance and Wealth with clear outcomes and metrics, prioritising synergies with lending. ● Build cross-sell and bundling strategies that lift borrower lifetime value and retention.
• 3.
• P&L ● Own lending metrics – disbursement, revenue (referral fees, cross-sell), attachment rate and contribution margin. ● Drive acquisition and activation across digital (Airtel Thanks, bank app, web, partner surfaces) and assisted channels (banking points, retailers, field force); optimise the funnel end to end.
• & Ecosystem ● Build and manage relationships with lending partners, insurers, fintechs, technology providers and regulators; develop partnership-led growth opportunities. ● Own the integration roadmap with each lending partner – APIs, offer exchange, underwriting hand-offs, disbursement and repayment reconciliation, servicing SLAs.
• 5.
• Market, Technology & Data ● Track the Indian digital lending landscape – fintech lenders, bank and NBFC propositions, UPI-linked credit, regulation – and turn insights into strategy. ● Partner with Technology to align product vision and architecture; use analytics and customer insight to drive prioritisation and track outcomes.
• & Stakeholder Leadership ● Build and mentor a high-performing product team, and act as the single point of accountability for lending across Business, Risk, Compliance, Technology, Operations, Collections and Distribution. ● Communicate vision, performance and recommendations crisply to executive and partner leadership.

Requirements

• ● MBA / postgraduate degree from a premier institute preferred; engineering or quantitative background an advantage.

Key Performance Indicators ● Loan disbursement volume; approval rate and application-to-disbursement conversion ● Portfolio growth of Insurance and Wealth products ● Revenue and contribution margin across products ● Regulatory and audit compliance; customer grievance and NPS Candidate Profile Experience & Expertise ● 10+ years of experience, with significant product leadership in lending at a bank, NBFC, fintech or digital lending platform in India; Insurance domain exposure is an added advantage. ● Proven record of launching and scaling digital products, with hands-on experience of co-lending, LSP/DSA and FLDG partnership structures. ● Strong grasp of RBI digital lending and Insurance regulations; builds compliant-by-design products. Capabilities ● Commercial ownership – comfortable owning a P&L and making volume–risk–margin calls with data; fluent in funnel, portfolio and cohort analytics. ● Strong partnership, negotiation and stakeholder skills across senior internal and external leadership. ● Strategic clarity with execution discipline.