Senior Product Manager - Credit Pod
IC Role - Full Time
Experience : 6 - 8 Years
Location : HSR Layout, Bengaluru
ABOUT POP
We're POP, a new-age fintech company making payments fun, rewarding, and worth it. With POP UPI, you earn POPcoins on every payment, real rewards redeemable across 500+ brands on POPshop, our curated D2C marketplace spanning fashion, beauty, food, and electronics.
Founded in Bengaluru in 2023, backed by Razorpay and partnered with YES Bank, we're building India's most rewarding payment experience.
The core loop we're building: Pay on POP → Earn POPcoins → Discover something you love on Shop → Redeem at 1:1 value → Come back. Credit is where that loop accelerates turning aspiration into access, and repayment into reward. That's what this role owns.
WHY THIS ROLE MATTERS
Most payment apps stop at the transaction. POP doesn't.
Every UPI payment you make on POP earns you POPcoins. Those coins unlock real discounts on brands you actually want to buy. And when you use credit on POP, you're not just splitting a payment. You're accelerating the entire loop. You earn more coins. You unlock better products. You come back more often.
We're building the credit-to-commerce flywheel for Gen Z. The architecture to make that happen : instant approvals from UPI data, transparent repayment tied to loyalty rewards, embedded checkout experiences that feel native to POP is being built now. This role builds it.
If you've spent your career thinking seriously about how credit can feel empowering instead of predatory, read on.
WHAT YOU'LL OWN
Embedded Credit Experience
Design the checkout flow where credit lives. How does a user discover they're eligible? How do they understand the terms without reading fine print? How does repayment feel like progress, not debt? You own the end-to-end journey. Eligibility surfacing to post-purchase dashboard.
Across POP Shop and beyond.
Underwriting UX & Instant Approvals
Work directly with partner NBFCs and the risk team to translate UPI velocity, POPcoins behavior, and thin-file signals into an approval experience that feels instant and fair. The challenge isn't just speed. It's trust. How do you communicate "approved for ₹5,000" in a way that feels like opportunity, not surveillance? You'll define what users see, when, and how limits evolve.
Repayment & Collections Product
Build the repayment experience that keeps users coming back. UPI Autopay is the default, but what happens when it fails? What does a nudge look like that doesn't feel punitive? How do you use POPcoins as both carrot (earn on repayment) and stick (lose access if you default) without crossing into coercion? You'll define the product mechanics of responsible recovery.
Loyalty Integration: Credit as a Reward Channel
Figure out how Pay-in-3 accelerates the POPcoins flywheel. Should users earn bonus coins on their first repayment? Should on-time behavior unlock higher limits faster? Should there be a tier system that makes credit feel like progression, not obligation? This is where credit stops feeling like a loan and starts feeling like a benefit.
Merchant & Checkout Economics
Understand the unit economics cold. Model how attach rates, AOV lift, and commission structures interact. Work with the marketplace team to figure out which categories should surface Pay-in-3 first, and with the growth team to understand where merchant-funded 0% interest makes sense versus where we lean on marketplace margins. You'll influence pricing, merchant selection, and promotional strategy.
Transparent, Gen Z-Native Design
Build the clearest, most honest credit disclosure experience in India. No hidden fees. No compound interest traps. No "better luck next time" gamification. Every screen should answer: How much do I owe? When? What happens if I can't pay? You'll set the bar for what responsible credit communication looks like.