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Product Manager, Credit at BharatMandi

Role | Job Description

Location: Bengaluru

https://www.bharatmandi.com​

About BharatMandi

BharatMandi is a leading agritech platform addressing the financial and operational challenges faced by farmers, FPOs, and rural MSMEs across India. We provide comprehensive solutions, including access to financial products like loans and insurance, and agronomy services like soil testing and weather alerts. Our marketplace empowers farmers to make data-driven decisions, while our loan products help accelerate their growth with the fastest TAT and the lowest cost.

We are solving the critical problem of credit access for underserved rural communities, enabling them to scale their agricultural businesses. With a growing user base and strategic partnerships, BharatMandi is poised for exponential growth.

Key Metrics:

• Partnered with leading banks like City Union Bank to distribute loan products such as Cattle Loans, MSME Loans, MFI Loans, and KCC Loans.

• Facilitated access to credit for 100,000+ farmers and MSMEs in Tier 2 and beyond.

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About the Founders

BharatMandi was founded by a team of experienced bankers and entrepreneurs dedicated to enabling sustainable incomes for smallholder farmers. Kumar Subramanian, Executive Chairman & Managing Director, is a serial entrepreneur with over 35 years in banking, having been a founding member of HDFC Bank. Vikram Jetley, CEO, and Ganesh K, Joint CEO, bring decades of experience in retail banking and business transformation across India and internationally. The leadership team is rounded out by experts like Bala Murali, Pramesh Khanna, and Sivakumar Krishnan, each with a rich background in banking, agribusiness, and technology. Together, they aim to drive BharatMandi’s mission of financial inclusion and rural development. ​

Why work with us?

At BharatMandi, our mission is to empower rural India by providing them with the tools and financial products they need to thrive. We are building a world where every farmer and MSME can access fair, transparent, and affordable credit, enabling them to unlock their full potential. You will be part of a dynamic team that is passionate about innovation, rural development, and fintech. Our company is growing rapidly, and you’ll be part of the journey to make a significant impact on millions of lives.

We offer flexibility, growth opportunities, and a chance to work on impactful solutions with a team of passionate individuals.

About the Role / what will you own

As the Product Manager, Credit, you will lead the development of our credit products, ensuring they are aligned with our customer needs and business goals. You’ll collaborate with cross-functional teams including tech, design, operations, and risk management, to build scalable financial products for rural India. You will own the end-to-end product lifecycle for credit offerings, from ideation to execution and post-launch optimization.

Your role will focus on creating seamless loan application processes, enhancing product accessibility, and improving user experiences for farmers and MSMEs. You will also ensure that our financial products comply with regulatory standards and meet the evolving needs of our customers.

Outcomes

• Ownership 1: Lead the product development for credit solutions, ensuring timely delivery and alignment with BharatMandi’s vision.

• Ownership 2: Drive product strategy, balancing customer needs with business requirements to enhance loan product adoption.

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Skills

Cover this section in 2 parts, Must have skills and good to have skills. Along with the skill, also mention how do you want them to use the skill in the role

Must Have

• Product management experience in fintech or credit-related roles.

• Strong understanding of financial products, especially rural/agricultural credit.

• Experience with the full product lifecycle—from discovery to delivery.

• Data-driven mindset with the ability to translate customer needs into product features.

Good to have

• Prior experience working with agritech or rural financial products.

• Understanding of regulatory and compliance requirements in the financial sector.

• Familiarity with agile methodologies and cross-functional collaboration.

What would success look like for you

• Increase in the number of loan applications successfully processed through BharatMandi.

• Improved customer satisfaction with our credit products, measured through user feedback and NPS.

• Reduction in loan processing time, ensuring faster TAT for credit approvals.

Culture Fitment

At BharatMandi, we value innovation, impact, and empathy. Our mission is to create a financially inclusive ecosystem for rural India, and we look for people who are passionate about this mission. A successful candidate will possess strong problem-solving skills, empathy for our customers, and a data-driven approach to decision-making. We value collaboration and ownership, and we encourage a work environment where everyone is driven to create solutions that matter.

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