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Product Manager – Decision Intelligence | Collections
📍 Bengaluru  |  💼 2–4 Years  |  🏢 Product / BIU  |  📋 Full Time  |  💻 Onsite
Job Details
Job Level: Junior
Department: Product / BIU
Location: Bengaluru
Employment Type: Full Time
Experience Required: 2–4 Years
Job Type: Onsite
Reports To: Senior Product Manager
About the Role
We are looking for a Junior Product Manager – Decision Intelligence to help build a next-generation Collections Intelligence Platform from 0→1.

The platform will act as an intelligence layer for collections, helping collection managers, business teams, Credit & Risk, Finance and senior leadership make data-driven decisions to improve collection efficiency and recovery outcomes.

The platform will combine multiple data sources, analytics, business rules and predictive/AI-ML models to answer critical collections questions such as:

Who should be contacted?
When should they be contacted?
Which channel should be used?
What collection strategy or treatment should be applied?
Which agent should handle the customer?
When should a case be escalated?
What is the most effective action to maximise recovery?

This is a hands-on product role that will work closely with Collections, Credit, Risk, Data Science, Engineering, Analytics, Operations and external technology partners to translate complex collections requirements into scalable product solutions.

The platform will initially support a single lending product and will subsequently scale across multiple lending products.
What You’ll Work On
1. Build the Decision Intelligence Platform from 0→1
  • Work closely with the Product Manager to build the collections intelligence platform from concept to launch.
  • Deeply understand collections processes, challenges and decision-making frameworks.
  • Translate business and collections requirements into clear product requirements.
  • Identify opportunities where data, analytics, rules and models can improve collections outcomes.
  • Contribute to defining product workflows, decision journeys and system requirements.
  • Help build a scalable platform that can eventually support multiple lending products.
2. Build Intelligence into Collections
Work on product requirements that enable intelligent decision-making across the collections lifecycle, including:
  • Pre-delinquency
  • Early bucket collections
  • Late bucket collections
  • NPA and recovery
  • Digital collections
  • Field collections
  • Agency collections
  • Settlement and recovery
The platform should enable data-driven decisions around:
  • Customer prioritisation
  • Contact strategy
  • Contact timing
  • Channel selection
  • Collection treatment
  • Agent allocation
  • Escalation
  • Recovery strategy
Work with Data Science and Analytics teams to translate these decisioning requirements into effective product solutions.
3. Product Requirements & PRDs
  • Own the creation and maintenance of PRDs for the Decision Intelligence Platform.
  • Convert complex business requirements into clear product specifications.
  • Define business rules, decision logic, workflows, use cases and edge cases.
  • Document data requirements, model requirements, system dependencies and integrations.
  • Create user journeys, process flows and wireframes where required.
  • Work closely with Engineering, Data Science and Analytics teams to ensure requirements are clearly understood.
  • Participate in product discussions, reviews, UAT and validation of product outcomes.
4. Data, Analytics & Decisioning
Work with multiple internal and external data sources to build meaningful intelligence into the collections process.
Data sources may include:
  • LMS data
  • Credit bureau data such as CIBIL
  • WhatsApp and digital communication data
  • IVR data
  • External vendor data
  • Customer interaction and repayment data
  • Collections and agent performance data
Work closely with Data Science, Analytics and Engineering teams to define:
  • Data requirements
  • Model inputs and outputs
  • Decision rules
  • Decision engines
  • Model-based recommendations
  • Product dashboards and insights
  • Feedback loops to continuously improve decision quality
You will be expected to understand how different models and rules translate into actionable decisions within the collections ecosystem.
5. Collections & Business Understanding
  • Work closely with Collections teams to understand ground-level operational challenges.
  • Understand how collection managers make decisions and identify opportunities for technology-led improvement.
  • Translate collections strategies into structured product requirements.
  • Analyse existing processes to identify inefficiencies, gaps and opportunities for automation.
  • Use data and business insights to support product recommendations.
  • Continuously evaluate whether product decisions are improving collections outcomes.
6. Technology & Integrations
  • Work closely with Engineering teams throughout the product development lifecycle.
  • Define requirements for APIs, integrations and data flows.
  • Work with internal systems and external technology vendors to enable data and decisioning capabilities.
  • Understand dependencies between LMS, collections systems, data platforms, communication channels and decision engines.
  • Support integration of external data sources and vendors.
  • Ensure product requirements account for scalability, reliability and operational efficiency.
7. Stakeholder & Vendor Management
Work closely with:
  • Collections
  • Credit
  • Risk
  • Data Science
  • Engineering
  • Analytics
  • Operations
  • Finance
  • Business teams
  • Senior Leadership
You will also work with external technology and data vendors to understand capabilities, define requirements and support successful integrations.
What Success Looks Like
The success of this role will ultimately be measured by the ability of the platform to improve collections efficiency through better, faster and more data-driven decision-making.
Key business outcomes include:
  • Improvement in overall collection efficiency
  • Reduction in roll-forward
  • Improvement in cure rates
  • Improvement in PTP conversion
  • Improvement in customer contactability
  • Increase in agent productivity
  • Reduction in cost of collections
  • Improvement in recovery rates
  • Increase in digital payment conversion
  • Improvement in NPA/recovery outcomes
From a product perspective, success will also mean:
  • High-quality and well-defined PRDs
  • Faster translation of business problems into product solutions
  • Effective implementation of decisioning requirements
  • Successful integration of data and intelligence sources
  • Ability to scale the platform from one lending product to multiple products
What We’re Looking For
Must Have
  • 2–4 years of experience in Product Management, Product Development, Analytics or a related role.
  • Strong interest in building data-driven products and decision intelligence platforms.
  • Experience working with cross-functional teams across Product, Technology and Business.
  • Strong ability to understand complex business processes and convert them into clear product requirements.
  • Experience creating PRDs, workflows, business rules and functional requirements.
  • Strong analytical and problem-solving skills.
  • Ability to work effectively with Data Science, Engineering, Analytics and Business teams.
  • Comfortable working in an ambiguous, 0→1 product environment.
Preferred Experience
  • Experience in NBFCs, banks, fintechs, collections technology or analytics/product companies.
  • Prior exposure to collections products or collections operations.
  • Lending-domain experience.
  • Experience working with decision engines, rules engines or predictive models.
  • Experience working with AI/ML-driven products.
Technical & Analytical Skills
  • Working knowledge of SQL.
  • Understanding of databases and data management.
  • Exposure to Power BI or similar business intelligence tools.
  • Strong proficiency in Excel.
  • Experience with Jira or similar product/project management tools.
  • Familiarity with analytics and product analytics tools.
  • Basic understanding of APIs and system integrations.
  • Ability to work with data and convert insights into actionable product requirements.
Who Will Succeed in This Role?
This role is best suited for someone who:
  • Is genuinely curious about why customers behave differently during collections and how data can influence the outcome.
  • Enjoys breaking down complex problems into structured product solutions.
  • Can move comfortably between business, data and technology discussions.
  • Has a strong analytical mindset and is comfortable working with data.
  • Is interested in AI/ML, predictive analytics and decisioning systems.
  • Can work closely with experienced stakeholders and bring structured product thinking to discussions.
  • Is comfortable working in a 0→1 environment where processes and products are still evolving.
  • Takes ownership of their deliverables while working closely with the Product Manager on overall strategy and execution.
  • Wants to build a product that can materially improve the economics and efficiency of collections.
Role Details
Position: Junior Product Manager – Decision Intelligence | Collections
Experience: 2–4 years
Work Mode: Full-time, Office-based
Reporting To: Pankaj
Role Type: Individual Contributor
Product: Decision Intelligence Platform – Collections
Product Stage: 0→1 / New Product Build
Primary Domain: Collections / Lending / Decision Intelligence
Primary Users: Collections, Business, Credit & Risk, Finance and Senior Leadership