Product Manager, Embedded Financial Services (F.OS)_MPIN

Job Description KEY RESPONSIBILITIES  What the role owns Embedded finance strategy  - Own and evolve the financial services roadmap, starting with embedded credit and extending to payments and adjacent products as customer need, economics and regulatory readiness allow. Customer and use-case discovery  - Identify high-potential financing needs across fleet operators, system integrators, garages, marketplace sellers and vehicle owners. Define ideal customer profiles and prioritise use cases on need, economics and feasibility. Lender and funding partnerships  - Work with banks, NBFCs and fintech partners to match lender appetite with customer segments on Bosch and partner platforms. Build multi-lender capability so the business does not depend on one funding source. Financial product structuring  - Co-create products with lenders: credit limits, tenure, repayment constructs, transaction flows, eligibility criteria, pricing and customer propositions.  Programme and scheme design - Design financing schemes, incentives, bundles and activation programmes that drive adoption and repeat utilisation.  Platform partnerships  - Work with mobility and ecosystem platforms to find transaction flows where financial products can be embedded, and agree operating and commercial models that work for both sides. Digital product and infrastructure - Define the journeys and architecture for onboarding, consent, KYC and KYB, lender routing, credit decisioning, checkout, disbursement, settlement, repayment visibility and reconciliation.  Technology service provider management  - Work with lending service and technology providers to build reusable lender integrations and embedded journeys.  Data and underwriting enablement - Convert consented mobility and transaction data into lender-consumable signals, such as fleet utilisation, running distance, garage throughput and purchase consistency. Contribute to a scoring and borrower-profiling approach together with the Identity Resolution and Consent Engine product lead. Regulatory and governance coordination  - Work with Legal, Compliance and Finance to put the right referral, DSA, LSP or other operating constructs in place, and build data protection and consent requirements into the product from the start. Commercial ownership - Define and negotiate sustainable monetisation for Bosch across access, utilisation, transaction and outcome-based revenue.  Go-live and scale - Own pilots through user acceptance, first transaction, funnel measurement and iteration, and convert successful pilots into repeatable propositions across platforms. How the role is measured  The role is accountable for business outcomes, not only for product documentation. Effectiveness is assessed on:  Financial products successfully launched  Number and quality of active lender and financial-service partnerships  Number of eligible customers and active borrowers  Application to sanction to disbursement conversion  Credit utilisation and repeat transactions  Financing throughput enabled on partner platforms  Incremental revenue for Bosch MPS  Time from identified opportunity to first transaction  Platform and customer adoption, and expansion across financial products and partner platforms Qualifications Who we are looking for  Education  Bachelor's degree in engineering, finance, economics or a related field; a master's degree or MBA is an advantage.  Experience  7 to 12+ years in fintech, digital lending, embedded finance, NBFC or banking products, lending marketplaces or B2B financial services.  Has taken a lending or embedded-finance proposition from customer need through lender structuring, digital integration and first disbursement to scale. This is strongly preferred.  Domain and technical knowledge  Deep understanding of digital lending and embedded finance, and of underwriting, credit products and lender economics.  Experience working directly with banks and NBFCs and with their credit, product and partnership teams.  Experience designing B2B and MSME credit products and digital customer journeys.  Working knowledge of the Indian regulatory frame for digital lending (including lending service provider and DSA constructs), KYC and KYB, the Account Aggregator ecosystem, consent and data protection (DPDP), and lending APIs and integrations.  Ability to translate a business opportunity into clear technology requirements and to challenge an architecture.  Commercial skills  Strong commercial and partnership-negotiation capability, including structuring revenue models with regulated partners.  Comfortable owning a business metric (revenue, throughput, conversion) and not only a product backlog.  Personal attributes  High ownership and an entrepreneurial orientation; comfortable building a new proposition rather than managing a mature product.  Works across Product, Engineering, Legal, Compliance, Finance and business teams, and brings people along.  Clear communicator with the credibility to deal with lender leadership and platform partners.  Sound judgement on risk and compliance; calm and structured under regulatory and partner complexity. Additional Information Who the role works with Product area leadership (MPS/PAx) and the Product Lead for Identity Resolution and the Consent Engine  Engineering and platform teams  Legal, Compliance, Data Protection and Finance  Regional business leadership (MPS/RBR) and the Global Partner Manager  Product owners of marketplace and commerce platforms where credit is embedded  Banks, NBFCs, technology service providers and platform partners  How to read this role  This role should not be read as a programme manager role. The ideal candidate sits at the intersection of fintech domain expert, product owner, lender and ecosystem partner, commercial builder and execution leader.