Poptech Growth Pvt Ltd · Bengaluru · Full-Time
Product Manager
Credit Pod
Full-Time · IC Role · 1–3 Years · 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 multiple 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.
WHAT YOU'LL OWN
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 a starting point, not a ceiling? 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.
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.
PROBLEMS YOU'LL SOLVE
CREDIT ONBOARDING
A user qualifies for credit mid-checkout but doesn't know what it is. How do you explain it in 3 seconds without killing momentum?
Eligibility surfacing is a high-stakes UX problem. Too aggressive and you feel like a loan shark. Too subtle and no one converts. The answer is somewhere between education and activation. You'll figure out where that line is — by cohort, by context, by cart value.
When should credit eligibility be gated by KYC, and when should it be instant?
There's a trade-off between compliance, fraud risk, and conversion. Lower limits might not need full KYC. Higher ones do. You'll define the step-up logic — how users graduate from ₹2k (instant, minimal friction) to ₹15k (full e-KYC, bureau pull) — and make that progression feel earned, not bureaucratic.
How do you communicate "approved for ₹5,000" in a way that feels like a starting point, not a ceiling?
The first approval sets the tone for the entire credit relationship. Users who feel underwhelmed by their limit churn. Users who understand it as the start of something — with a visible path to growth — come back and repay on time. You design that first moment.
CREDIT COCKPIT
A user misses a payment. What should they see when they open POP?
Dunning is a product problem, not just a collections problem. The wrong message destroys trust. The right one (paired with a one-tap payment link and a clear "here's what happens next") can recover 70%+ of early delinquency without damaging the relationship. You design that experience.
How do you make repayment feel like progress, not obligation?
Traditional credit apps show balances going down. That's functional, but it's not motivating. What if each repayment unlocked a milestone? What if on-time behavior surfaced a limit increase? What if POPcoins accrual on repayment felt like earning, not just paying back? You'll figure out what makes a Gen Z user want to stay current.
A user has been on Pay-in-3 for 6 months. They've repaid on time. Their limit has grown. Is now the right moment to offer them a credit card?
The cockpit isn't just about the current product — it's about knowing when to graduate a user to the next one. How do you make that transition feel like a reward, not a sales pitch? What signals tell you this user is ready? You'll define the product logic for how POP evolves a user's credit relationship over time.
What does "responsible credit" actually look like at the product level?
It's easy to say "we're different." Harder to encode it. Should there be spending velocity caps? Should high utilization trigger a check-in flow? Should we surface financial literacy content at key moments? You decide what guardrails belong in the product, not just the policy.
WHAT WE'RE LOOKING FOR
You've built 0→1 at an early-stage company. Not optimization work — ground-up definition. This is a requirement.
- User-obsessed. You talk to users because you're curious, not to close a sprint. You treat insight as a competitive edge.
- You've shipped something real — identified it, argued for it, built it, proved it out. Consumer fintech, BNPL, payments, or commerce background is a strong fit.
- You iterate fast and share early. You move without a polished brief and know how to instrument a hypothesis.
- Comfortable with ambiguity. You'll define what good looks like before the infrastructure exists.
- 1–3 years of PM experience at a consumer product, early-stage company. B2B or SaaS fintech is not a fit.
THIS ROLE IS NOT FOR YOU IF
- You're primarily a B2B, SaaS, or enterprise fintech PM.
- You need clear requirements to move. High ambiguity is the default here.
- You think credit is just underwriting + checkout.
- You haven't owned a 0→1 product.
- You'd rather execute a brief than write one.
HOW TO APPLY
Send your CV and a short note on a product you've owned — what you built, how it worked, what you learned, and what you'd do differently.
Generic cover letters will not be read.
popsterwanted@popclub.co
Subject: Product Manager – Credit Pod