Product Lead

Job Description – 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.

Role 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. Business Growth & 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.
4. Partnerships & 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.
6. Team & 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. 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.

Education

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