We’re hiring a Digital Lending Product Manager to lead the vision and delivery of our lending platform, covering both LMS and LOS. You’ll shape loan products and partner integrations, turn requirements into clear specifications, and work closely with engineering through delivery and UAT.
We’re looking for someone with hands-on Indian digital lending experience and a track record of building or implementing a digital lending platform. The goal: launch by March 2027 with our first partner portfolio live, regulatory requirements covered, and a platform that makes it faster to onboard future partners.
Responsibilities:
- Product vision and roadmap for the lending platform (LMS and LOS).
- Agile Way of Working.
- The backlog, spec-first: every feature specified with acceptance criteria before build.
- Loan product design: interest, fees, penal charges, repayment schedules, DPD, the KFS and APR journey.
- The multi-partner construct: partner APIs, onboarding, deduplication, webhooks, tenant isolation.
- Integration requirements: All compliances including RBI, credit bureaux, KYC and CKYC, e-NACH and UPI mandates, bank payment rails, e-sign.
- Delivery: sprint priorities with engineering, UAT design and sign-off.
Required skills and experience:
- 5+ years of experience, of which 2+ years in Indian digital lending product roles.
- At least one digital LMS or LOS build or implementation carried end to end.
- 2+ years in one stint at an NBFC or a lending-platform company. Bank-only careers do not qualify.
- The mix: roughly 50 % lending & credit domain 30% technical, 20% business background.
- Working command of the RBI digital lending framework: KFS, APR, FLDG, penal charges.
- Strong specification writing, and daily fluency with AI tools.
- Graduate, engineering preferred.
Success in this role means:
- Platform live by March 2027, with our first partner portfolio running on it.
- Covering actual regulatory requirements at go-live.
- Straight-through journeys, with manual exceptions shrinking month on month.
- Second partner onboarded in weeks, not months.
We offer:
A Truly Global Workplace – collaborate with 40+ nationalities across 25+ countries, embracing diversity, inclusion, and cross-cultural innovation
Hybrid & Flexible Work – balance your life and career with remote-friendly policies and modern offices across Europe
A Culture of Growth – accelerate your development with access to LinkedIn Learning, structured mentorship, and internal leadership programmes (HiPo & People Leader tracks)
Workation Programme – work remotely from abroad for up to 2 months per year and experience new cultures while staying connected and productive
Financial Growth Opportunities – invest in your future with our share purchase matching programme, doubling your contributions and fostering long-term rewards
Medical Coverage – group medical insurance covering hospitalisation and essential care
Accident Protection – personal accident insurance for peace of mind
We may use artificial intelligence (AI) tools to support specific parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses against predefined criteria. These tools assist our recruitment team but do not replace human judgment. All final hiring decisions are made by human recruiters.
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Skills Required
- 5+ years of total professional experience
- 2+ years of experience in Indian digital lending product roles
- End-to-end experience building or implementing at least one digital LMS or LOS
- At least 2 years in one stint at an NBFC or lending-platform company
- Working command of the RBI digital lending framework, including KFS, APR, FLDG, and penal charges
- Experience spanning lending and credit domain, technical, and business responsibilities
- Strong specification-writing skills
- Daily fluency with AI tools
- Graduate degree
- Engineering degree
What We Do
Multitude is a listed European FinTech company, offering digital lending and online banking services to consumers, small and medium-sized enterprises, and other FinTechs overlooked by traditional banks. The services are provided through three independent business units, which are served by our internal Banking-as-a-Service Growth Platform. Multitude’s business units are Consumer Banking (Ferratum), SME Banking (CapitalBox), and Wholesale Banking (Multitude Bank). Multitude Group employs over 700 people in 25 countries and offers services in 16 countries, achieving a combined turnover of 230 million euros in 2023. Multitude was founded in Finland in 2005 and is listed on the Prime Standard segment of the Frankfurt Stock Exchange under the symbol 'E4l'. www.multitude.com
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