AVP Product LOS

About FinAGGFinAGG Technologies is a Noida-based MSME fintech group that builds and runs cash-flow-based lending for banks and NBFCs. The group has three regulated arms: FameScore (RBI-authorised TSP and GST Suvidha Provider), FinAGG Services (Lending Service Provider under the RBI Digital Lending framework) and QCF Capital (NBFC).

The FinAGG LOS is the platform this role owns. It runs supply chain finance, GST-based Overdraft and Term Loan journeys for large private sector banks, PSU banks and small finance banks, and has processed 10 lakh+ MSMEs.

The platform today:

• Borrower-facing PWA journey plus a back-office portal for RM, Credit, Ops and post-sanction users
• Configurable BRE that supports cash-flow-based assessment models
• Pre-integrated with CKYC, GST, Account Aggregator, multiple bank statement analysers, MCA, and in-house document identification and fraud checks
• Post-sanction stack covering document generation, eNACH and paper NACH, co-lending, escrow and bank payment APIs
• Partner sourcing APIs that let third-party apps originate leads and hand borrowers into the journeyThe roleYou own the FinAGG LOS as a product: the roadmap, journey design, BRD quality and release outcomes for every bank and NBFC on the platform.

The mandate is to move the platform from product-by-product builds to one configurable rail for MSME credit. That rail must cover unsecured and secured products in a single journey: Overdraft, Drop-line OD, Term Loan, Loan Against Property, Equipment Finance and Purchase or Invoice Finance.

This is a hands-on role. You will write BRDs, sit with bank policy and credit teams, configure rules with engineering and stay with an implementation until it is live and stable.

Key responsibilitiesProduct strategy and roadmap

• Own the LOS roadmap across supply chain finance, GST-based OD, Term Loan and secured MSME products
• Prioritise by lender demand, revenue and reuse across clients
• Turn bank-specific asks into configurable platform capabilities instead of one-off builds
• Track what competing LOS platforms offer and what lenders now expect as standardJourney and policy design
• Design end-to-end journeys: sourcing, onboarding, KYC, data pull (GST, Account Aggregator, bureau, banking), eligibility and offer, sanction, documentation, e-sign and e-stamp, mandate, disbursement and post-sanction
• For secured products, design collateral capture, valuation, legal and technical verification, charge creation (CERSAI, ROC) and the deviation and approval matrix
• Own BRE configuration with lender credit policy teams: scorecards, eligibility calculators, deviations, pricing, fees and state-wise stamp duty
• Define partner and embedded sourcing flows: pre-offer, redirection, status and re-loginBRD and delivery
• Write and own the BRD for every implementation and get lender sign-off before build starts
• Run change control so that scope, timelines and commercials move together
• Work with engineering and QA on sprint planning, UAT, release and production stability
• Lead UAT with the lender and own go-live readinessLender and internal stakeholders
• Be the product counterpart to bank and NBFC product, policy, credit, risk, IT and information security teams
• Support the business team in pre-sales: demos, solution notes, RFP responses, effort and commercial sizing
• Keep Credit, Ops, Collections and Tech aligned on what is being built and whyCompliance and controls
• Keep every journey aligned with RBI Digital Lending Directions, KYC norms, co-lending guidelines and data protection requirements
• Own product responses in lender information security and audit reviewsMetrics and team
• Own platform metrics: login-to-sanction conversion, stage-wise drop-off, turnaround time, straight-through rate and defect leakage
• Lead and grow a team of product managers and business analystsWhat you bring
• 10–14 years in lending technology or lending product, with at least 5 years owning an LOS for MSME credit, secured or unsecured
• At least two LOS implementations delivered end to end, from BRD to go-live, at a bank, NBFC or lending-technology company
• Working knowledge of MSME underwriting: GST, banking, bureau and financial data, and cash-flow-based assessment
• For secured lending backgrounds: collateral, valuation, legal and technical checks, CERSAI and charge creation
• For unsecured lending backgrounds: business loans, OD or invoice finance with data-led, low-touch decisioning
• Hands-on with BRE configuration and integrations: bureau, CKYC, Account Aggregator, GST, bank statement analysers, eNACH, e-sign, e-stamp, CBS and LMS
• BRDs or PRDs you wrote that a bank or NBFC signed off and built against
• Comfort in the room with bank product, policy, credit and IT heads
• Working knowledge of RBI Digital Lending Directions, KYC and co-lending guidelines
• Experience leading product managers or business analysts
• Graduate degree; engineering or MBA preferredGood to have
• Experience across both secured and unsecured MSME products
• Supply chain finance, dealer or vendor finance, or invoice finance origination
• OD, CC or Drop-line OD products integrated with a bank core banking system
• Time on both sides of the table: at a lender and at a lending-technology vendor
• Co-lending, escrow and bank payment API flows
• RM-assisted, DSA and partner-app sourcing models
• PSU bank implementations, including RFP and procurement processes