Associate Product Manager (Repayments & Collections)

Job Description – Associate Product Manager, Repayments & Collections

About CreditSea

CreditSea is an RBI-registered, digital-first NBFC operating at scale. We are building technology-led lending experiences that make borrowing simple, seamless and accessible for customers.

As we scale our lending business, we are focused on improving repayment experiences, increasing repayment efficiency and building robust systems to support collections operations.

The Role

We are looking for an Associate Product Manager to own and improve the end-to-end repayment experience.

The primary objective of this role is to make repayments seamless and convenient for customers while improving repayment success rates and collections efficiency.

You will work across customer-facing repayment journeys, payment integrations, reminders and collections-related product capabilities. The role requires a strong understanding of lending repayment cycles, payment mechanisms and collections metrics, along with the ability to drive execution across multiple stakeholders.

Works closely with: Collections, Finance, Engineering, Data & Analytics teams.

Key Responsibilities

1. Repayment Journeys & Payment Integrations

• Own and improve end-to-end repayment journeys across payment modes, including UPI, AutoPay/e-NACH, UPI AutoPay and other relevant payment mechanisms.
• Improve repayment success rates by identifying friction across payment initiation, authentication, mandate registration, payment failures and retries.
• Work with payment gateways, banks and external partners to improve payment reliability and success rates.
• Enable flexible repayment options, including part-payments, early repayments and other customer-friendly repayment mechanisms.
• Ensure accurate and seamless integration of repayment systems with internal lending platforms.

2. Repayment Experience & Customer Engagement

• Build and optimise repayment reminders and nudges across channels such as WhatsApp, SMS, calls and app notifications.
• Improve customer visibility into outstanding dues, repayment schedules, payment status and transaction history.
• Identify opportunities to simplify repayment journeys and reduce failed or delayed payments.
• Work on customer communication and self-service capabilities to reduce repayment-related friction.
• Ensure a consistent repayment experience across different customer touchpoints.

3. Collections Product Capabilities

• Develop a strong understanding of collections workflows, repayment cycles and delinquency management.
• Work closely with Collections teams to improve product capabilities supporting early collections and overdue recovery.
• Track and optimise key metrics such as repayment success rates, bounce rates, DPD buckets, roll rates and collection efficiency.
• Build product capabilities that support more effective collection interventions and improve repayment behaviour.
• Translate operational challenges and collections requirements into scalable product solutions.

4. Product Execution & Stakeholder Management

• Work closely with Engineering, Design, Collections, Finance and other stakeholders to define requirements and drive initiatives end-to-end.
• Translate business and operational requirements into clear product specifications, user stories and execution plans.
• Prioritise initiatives based on customer experience, business impact, operational efficiency and implementation effort.
• Coordinate with external payment partners and service providers for integrations and issue resolution.
• Drive testing, releases and post-launch monitoring to ensure product improvements deliver measurable outcomes.

What We're Looking For

• 2-4 years of Prior experience building or managing repayment journeys in a digital lending, fintech, payments or banking environment.
• Hands-on experience with repayment mechanisms such as UPI, e-NACH, AutoPay, payment gateways and mandate management.
• Strong understanding of lending collections processes and metrics, including bounce rates, DPD buckets, roll rates and collection efficiency.
• Experience working on customer-facing repayment journeys and payment integrations.
• Strong analytical and problem-solving skills, with the ability to use data to identify problems and measure product impact.
• Strong stakeholder management and execution skills, with the ability to coordinate across multiple teams and drive initiatives independently.

Good to Have

• Prior experience in a digital lending company, NBFC, bank or fintech.
• Familiarity with loan management systems (LMS), repayment allocation, reconciliation and delinquency management.
• Experience working with payment aggregators, banking partners and payment infrastructure providers.
• Exposure to collections automation, customer communication platforms and digital collections channels.
• Understanding of customer repayment behaviour across different DPD buckets.

Why Join CreditSea?

Build and own: Take ownership of critical repayment journeys and payment integrations.

Business impact: Work on products that directly influence repayment rates, portfolio quality and collections efficiency.

Ownership and visibility: Work closely with business and technology leadership and drive initiatives across multiple functions.

Opportunity to grow: Play an important role in building scalable repayment technology as CreditSea grows.