Vice President of Product

Role Overview

We are seeking a Vice President of Product to lead our India-based product organization. This leader will manage a team of 10–15 high-performing Product Managers and play a critical role in defining and delivering our global product vision. The ideal candidate is a hands-on product strategist, skilled communicator, and inspiring leader who thrives at the intersection of technology, business, and user experience.

Key Responsibilities

• Drive the end-to-end product strategy, vision, and execution for our consumer lending and digital financial products.

• Lead, mentor, and develop a team of 10–15 Product Managers to create a high-performance product culture.

• Partner closely with global executives, engineering, design, and analytics to deliver best-in-class fintech experiences across full customer lifecycle (including but not limited to application stage, delinquency management, and returning customer strategy).

• Translate the company's strategic goals into clear product roadmaps and measurable outcomes.

• Oversee product lifecycle management—from concept to launch, iteration, and scale.

• Leverage data and user insights to drive decisions that enhance product performance and customer satisfaction.

• Stay current with fintech trends, emerging technologies, and the competitive landscape to ensure product innovation.

• Collaborate with U.S. stakeholders to ensure strong communication and alignment across global teams.

Qualifications

• Bachelor's or Master's degree from a reputed institution (MBA or equivalent preferred).

• 10+ years of experience in Product Management, with at least 5 years leading product teams. US experience is a plus.

• Proven track record of building and scaling digital products in fintech, digital lending, or e-commerce ecosystems.

• Strong analytical and strategic thinking abilities with a data-driven decision-making approach.

• Exceptional communication and stakeholder management skills across global teams.

• Hands-on, entrepreneurial mindset with the ability to work in fast-paced, evolving environments.

• Deep understanding of technologies in fintech systems, APIs, cloud platforms, and user experience design.

Why Join Us

• Opportunity to influence a global product vision from India.

• Work with world-class technology and leadership teams.

• High-impact role in a mission-driven fintech shaping the future of digital lending.

• Competitive compensation, benefits, and flexibility in a remote-first environment.

How to Apply

Click “Apply Now” to send your resume to: careersindia@applieddatafinance.com with the subject line: “Career Opportunity with ADF – [Role Name

Sr. Manager - Customer Lifecycle & Revenue Growth

Role Overview

We are looking for a sharp, strategic marketer to own the full customer lifecycle for our returning borrower base — and grow into one of the most commercially critical roles in the business.

This role starts with end-to-end ownership of our returning customer channels — SMS, email, and emerging retention touchpoints. But the real opportunity is bigger: over time, this will evolve into a cross-product Customer Lifetime Value (CLTV) role, spanning our full product portfolio.

We are not hiring for a linear, single-channel operator. We are hiring for someone who thinks commercially, is customer focused, and brings a strategic point of view to how we maximize revenue and engagement across a customer’s full journey with us.

The Opportunity

The returning customer segment is one of our highest-leverage growth levers. This is an opportunity to reimagine how we engage customers, what we offer them, when, and through which products — with a mandate to scale it into a mature CLTV function over time.

You will have real P&L ownership from day one, a direct line to senior leadership, and a mandate to grow the role beyond its current boundaries. The right person will not just optimise what exists — they will define what comes next.

What You Will Own

Phase 1: Relending Strategy and Marketing Channel Ownership

• Build, manage, and optimise all returning customer channels — SMS, email, automated calling, marketing in customer portals and any emerging retention touchpoints

• Define channel mix strategy based on customer segment, loan lifecycle stage, and engagement signals

• Own end-to-end campaign execution — from brief to deployment to performance review

• Drive A/B testing across messaging, timing, frequency, and offers to continuously improve channel ROI

• Own the revenue and cost targets for the returning customer segment with full P&L accountability

• Track and report on core metrics: repeat rate, cost per returning borrower, revenue per channel, ROI by campaign

Phase 2: Cross-Product CLTV Strategy

• As the role matures, expand ownership beyond returning customers into a full customer lifetime value (CLTV) framework across our product suite

• Design lifecycle journeys that evolve with the customer, not just re-engagement nudges that target a single behaviour

• Build a segmentation and propensity model (in partnership with Analytics) to identify which products to surface, to which customers, at which stage of their lifecycle

• Develop a playbook for intelligent down-sell and cross-sell: when to protect margin, when to retain the customer at a lower product tier, and when to upgrade

• Partner with Product and Risk to influence roadmap decisions that affect lifecycle outcomes

Strategic Leadership & Stakeholder Ownership

• Present performance and strategy to senior leadership on a regular cadence; own the narrative, not just the numbers

• Serve as the internal authority on returning customer behaviour — own the data, own the insight, own the recommendation

• Work closely with Analytics, Product and Finance to ensure channel strategy is grounded in commercial reality

• Manage channel budgets and make data-backed decisions on where to invest and where to pull back

What We Are Looking For

Must-Haves

• 5–8 years of experience in acquisition, retention, lifecycle, or CRM marketing — with demonstrable progression in scope and seniority, preferably in fintech or consumer lending

• Experience working with a new-age digital company and associated tools and processes

• B.E/B.Tech or MBA from a Tier 1 institute

• Proven track record of owning channels (SMS, email) with measurable business outcomes — not just execution, but strategy and results

• Demonstrated ability to think beyond campaigns into lifecycle architecture — someone who can connect individual channel tactics to a long-range CLTV view

• Strong analytical skills: comfortable with Excel/Sheets, and familiar with SQL

• Experience owning or contributing to a marketing P&L or budget with real accountability

• Ability to translate complex data into clear strategy and communicate it convincingly to senior stakeholders

Good to Have

• Familiarity with CRM and marketing automation tools

• Experience working across multiple product lines or in a multi-product fintech environment

• Exposure to cross-sell, upsell, or down-sell mechanics in a credit or lending context

• Experience in a US-facing or cross-geography fintech environment

• Understanding of credit products, loan lifecycle, and borrower behaviour

How to Apply

Click “Apply Now” to send your resume to: careersindia@applieddatafinance.com with the subject line: “Career Opportunity with ADF – [Role Name]

HR Business Partner – People & Organizational Effectiveness

Role Overview

We are looking for an HR Business Partner who will act as a strategic advisor to India based business leaders, helping shape team structures, manager capability, and workforce productivity.

This role is ideal for someone who enjoys working at the intersection of business strategy and people decisions, especially in an environment where hiring is selective and optimization is key.

Key Responsibilities

Business Partnering

• Partner with business leaders to design lean, effective team structures

• Translate business priorities into people strategies and actions

• Actively participate in business reviews and planning discussions

Workforce Optimization

• Identify opportunities for role clarity, redeployment, or redundancy

• Drive internal mobility over external hiring where possible

• Support leaders in making thoughtful, data-backed workforce decisions

• Build consistency in people management practices across teams

Performance Management

• Drive clear performance differentiation across teams

• Support calibration discussions with insights and perspective

• Ensure timely and effective handling of underperformance

Employee Lifecycle (Critical Moments)

• Partner on:

  • Key talent retention

  • Conflict resolution

  • Sensitive employee situations and exits

• Ensure employee experience aligns with company values

What Success Looks Like

• Manages independently and effectively handles most people decisions

• Strong alignment between business goals and team structures

• Reduced unnecessary hiring through better internal optimization

• Clear differentiation between high and low performance

• High trust and credibility with business leaders

Ideal Candidate Profile

Experience:

• Around 10 years in HR, with experience in business partnering roles

• Background in high-growth / startup / fintech / tech environments preferred

Capabilities:

• Strong business acumen and problem-solving ability

• Comfortable handling tough people decisions (performance, exits, restructuring)

• Ability to influence and challenge senior stakeholders

• Coaching mindset with a focus on building manager capability

• Analytical thinking and comfort with data-driven insights

Soft Skills:

• Pragmatic and outcome-oriented

• High ownership and accountability

• Courage to challenge with empathy and clarity

What This Role Is Not

• Not an HR operations role

• Not focused on engagement/events execution

• Not a recruitment role

Why Join Us

• Opportunity to shape how a growing fintech scales its people and performance

• High ownership, high impact role working closely with leadership

• Build systems and culture in a lean, outcome-driven environment

We are on the next phase of growth, with 10 years of experience behind us, offering exciting new products with AI-enabled features that are making a difference for US consumers; we are adding key new leaders to drive this growth. You could be part of that team!

How to Apply

Click “Apply Now” to send your resume to: careersindia@applieddatafinance.com with the subject line: “Career Opportunity with ADF – [Role Name]