About Olyv

Olyv is India's fastest-growing, fully automated next-generation fintech company focused on addressing the credit requirements of self-employed micro-entrepreneurs, micro-merchants, and middle/lower-income salaried individuals. In addition to lending solutions, our platform offers digital gold savings, credit health products, and other financial wellness solutions.

Our Story

From SmartCoin to Olyv: Nurturing Aspirations, Powering Inclusion
In the vast tapestry of finance, where dreams often struggle to find their place, the transformation from SmartCoin to Olyv marks a significant milestone in our journey. It represents our continued commitment to financial empowerment, inclusivity, and building a brighter financial future for millions of underserved Indians.
SmartCoin began as a beacon of hope, making digital lending accessible to hardworking individuals across India. Today, as Olyv, we have evolved into a broader financial wellness platform while staying true to our mission of democratizing access to financial services.
Headquartered in Bengaluru, Olyv was founded in 2017 with the mission of driving financial inclusion for the underserved market. Today, we serve over 13 million users, have disbursed 1 million+ loans, and operate across 19,000+ pin codes through our AI and ML-powered digital platform. Supported by leading investors such as LGT Lightstone, Accion Venture Lab, and Unicorn India Ventures, Olyv has been recognized by organizations including Google Launchpad Accelerator, Global Inclusive50 by MetLife, VISA, and IFC for its contributions to financial inclusion.

Our Culture

At Olyv, we thrive on solving complex customer problems through technology and innovation. We believe in ownership, collaboration, experimentation, and continuous learning. Whether you're building customer-facing experiences or core platform capabilities, you'll work alongside passionate product leaders, engineers, designers, and data scientists to create products that make a meaningful impact on millions of lives.
If you're excited about building products in a fast-paced environment, solving challenging problems, and shaping the future of fintech, Olyv is the place for you.

Job Summary

We are seeking a passionate, customer-centric, and data-driven Product Manager to lead the development and execution of digital products that deliver exceptional customer experiences and drive business growth.
The role involves owning product initiatives from ideation to launch, defining product requirements, collaborating with cross-functional teams, analyzing product performance, and continuously improving customer journeys through data-driven decision-making.
Depending on business requirements and your experience, you will be aligned with one of Olyv's high-impact Product Pods:

  • Cobranded Partnerships
  • Web Applications
  • Collections & Repayments
  • Technical Product Management
  • Core Lending

Key Responsibilities

Product Strategy & Ownership

  • Own end-to-end product development from problem discovery through launch and continuous improvement.
  • Define product vision, roadmap, and feature prioritization aligned with business objectives.
  • Identify customer problems, business opportunities, and product enhancements through research and data analysis.
  • Translate business requirements into scalable product solutions.
  • Partner with business stakeholders to define product strategy and success metrics.

Product Development & Delivery

  • Create Product Requirement Documents (PRDs), user stories, acceptance criteria, process flows, wireframes, and functional specifications.
  • Collaborate closely with Engineering, Design, QA, Data Science, Risk, Credit, Compliance, Operations, and Business teams throughout the product lifecycle.
  • Drive sprint planning, backlog prioritization, release planning, and go-live activities.
  • Ensure timely delivery of high-quality product features that create measurable customer and business impact.
  • Coordinate cross-functional teams to ensure successful execution and product launches.

Product Analytics & Optimization

  • Define, monitor, and analyze key product KPIs and business metrics.
  • Conduct funnel analysis, customer journey analysis, retention analysis, cohort analysis, and feature performance analysis.
  • Identify bottlenecks, customer pain points, and opportunities to improve acquisition, conversion, engagement, and retention.
  • Design, execute, and evaluate A/B tests and product experiments.
  • Perform Root Cause Analysis (RCA) for production issues and recommend corrective actions.

Customer & Market Research

  • Gather customer insights through user research, behavioral data, customer interviews, surveys, and support interactions.
  • Conduct competitor analysis and monitor industry trends to identify opportunities.
  • Validate product hypotheses using qualitative and quantitative research.
  • Champion customer-centric decision-making throughout the product development lifecycle.

Stakeholder & Cross-functional Collaboration

  • Work closely with Engineering, Design, Data Science, Marketing, Business, Credit, Risk, Compliance, and Operations teams.
  • Collaborate with external partners and third-party vendors wherever product integrations are involved.
  • Communicate product vision, priorities, timelines, risks, and dependencies to stakeholders.
  • Ensure alignment between business objectives and product execution.

Launch & Continuous Improvement

  • Drive end-to-end product launches and monitor post-launch performance.
  • Measure feature adoption, customer satisfaction, operational efficiency, and business outcomes.
  • Continuously optimize products using customer feedback, analytics, and experimentation.
  • Contribute to long-term product roadmap planning and innovation initiatives.

Qualifications

  • Bachelor's degree in Engineering, Computer Science, Information Technology, Business Administration, or a related field.
  • MBA or Master's degree is an added advantage.
  • 1–6 years of experience in Product Management, Associate Product Management, Product Operations, Business Analysis, Product Analytics, or a related role.
  • Prior experience in FinTech, Lending, Payments, Banking, Consumer Internet, or SaaS products is preferred.

Required Skills

Product Management

  • Strong understanding of Product Management principles and the Software Development Life Cycle (SDLC).
  • Experience writing Product Requirement Documents (PRDs), user stories, acceptance criteria, and product documentation.
  • Hands-on experience with Agile and Scrum methodologies.
  • Ability to prioritize product backlogs and manage competing business priorities.

Data & Analytics

  • Strong analytical and problem-solving skills.
  • Experience defining and tracking product KPIs and business metrics.
  • Familiarity with product analytics concepts such as funnel analysis, cohort analysis, retention analysis, conversion optimization, and A/B testing.
  • Working knowledge of SQL and data visualization tools such as Tableau, Power BI, Looker, or Metabase is preferred.

Technical Skills

  • Basic understanding of APIs, REST services, JSON, system integrations, and event tracking.
  • Experience using Jira, Confluence, Figma, or similar product collaboration tools.
  • Familiarity with analytics platforms such as Google Analytics, Mixpanel, Amplitude, Firebase Analytics, or CleverTap is an added advantage.

Core Competencies

  • Strong analytical and structured problem-solving skills.
  • Excellent written and verbal communication skills.
  • Customer-first mindset with a passion for building exceptional digital experiences.
  • Strong stakeholder management and cross-functional collaboration abilities.
  • High ownership, accountability, and execution focus.
  • Ability to manage multiple priorities in a fast-paced startup environment.

Preferred Skills

  • Experience building products in FinTech, Lending, Payments, Credit, Banking, or Consumer Internet.
  • Exposure to KYC, CKYC, bureau integrations, UPI, eNACH, Loan Management Systems (LMS), collections platforms, or digital lending ecosystems.
  • Understanding of RBI Digital Lending Guidelines.
  • Experience working with experimentation frameworks and feature performance measurement.
  • Familiarity with SQL, Tableau, Mixpanel, Amplitude, Google Analytics, or similar analytics tools.


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