Senior Product Manager

Swiggy is India’s leading on-demand delivery platform with a tech-first approach to logistics and a solution-first approach to consumer demands. With a presence in 700+ cities across India, partnerships with hundreds of thousands of restaurants, an employee base of over 5000, and a 2 lakh+ strong independent fleet of Delivery Executives, we deliver unparalleled convenience driven by continuous innovation.

Job Profile: Senior  Product Manager -  Lending

Location: Bangalore - [Hybrid]

Experience: 6-9 years in product management, with significant experience in lending/fintech products

About the team and the role:

At Swiggy, we are building a full-stack financial services ecosystem for our restaurant partners. With deep transaction data, payout behavior, growth signals, and operational metrics across millions of orders, we are uniquely positioned to power embedded lending for restaurants.

The Lending team's mission is to enable fast, transparent, and context-aware access to capital for restaurant partners, directly within the Swiggy ecosystem. We work closely with external lenders (NBFCs/Banks), internal data science teams, engineering, risk, compliance, and business stakeholders to design scalable lending infrastructure.

As a Senior Product Manager - Lending, you will own key parts of the Swiggy's embedded lending product stack - from partner discovery and eligibility surfacing to new lender integrations, end to end product funnel optimisations, BRE routing etc. You will translate business and risk priorities into a clear product vision and roadmap and ship high-quality lending product experiences and platform capabilities that drive conversion, speed and trust for restaurant partners. 

What will you get to do here:

• Define the strategic product vision and multi-year roadmap for Swiggy's restaurant lending business, aligning it with broader company and fintech strategy.
• Design and ship end-to-end partner-facing lending journeys - from eligibility discovery and offer surfacing to lenders’ journey of application to disbursal followed by servicing
• Build platform capabilities for multi-lender operations: lender onboarding flows, API integration contracts, BRE-driven eligibility, risk-sharing frameworks and real-time lender routing logic as configurable product capabilities, and offer decision orchestration
• Own product and funnel metrics i.e. eligibility coverage, offer-to-application conversion, approval rates, disbursal TAT, and journey drop-offs and own step-change improvements in conversion and portfolio performance through structured experiments.
• Define instrumentation, analytics, and reporting for the lending funnel, ensuring every launch is measurable and every decision is data-backed.
• Write crisp PRDs and drive execution with Engineering - managing scope, trade-offs, and delivery timelines across concurrent workstreams.
• Partner with Data Science and Risk teams to productize Swiggy's proprietary data signals - defining how eligibility, pre-approved offers, and underwriting inputs surface within product flows
• Work closely with lenders on integration design, journey alignment, SLA definitions and go-live readiness in partnership with business and legal teams. 
• Lead cross-functional and cross-org product collaboration, influencing Engineering, Data Science, Risk, Legal, Finance, and external lender to align on scalable, compliant lending infrastructure.

What qualities are we looking for:

• Strong lending domain knowledge, with a proven track record of building and scaling digital lending or embedded finance products, including underwriting, credit risk, and regulatory considerations.
• Demonstrated ability to set strategy and vision, not just execute - including translating ambiguous, high-stakes business problems into a clear multi-year roadmap.
• Extensive experience designing and scaling BRE systems, multi-lender routing logic, lender API integrations and launching risk-sharing programs at a platform level.
• Sharp analytical and data skills with comfort in defining funnel metrics, running experiments, and using data to prioritize and iterate. 
• Strong collaboration and communication skills - able to align Engineering, Data Science, Risk, Legal, and external lender teams, and present clearly to senior stakeholders. 
• Sound business judgment with ability to reason about conversion, unit-level trade-offs, and risk considerations.
• Experience in 0→1 or early-scale product building ale, ideally in regulated fintech environments.
• High ownership, bias for execution, and comfort operating amid ambiguity in a regulated, high-stakes domain. Mentorship of junior PMs is a plus. 

"We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, disability status, or any other characteristic protected by the law."