Associate Product Manager - AI-Powered Collections Platform

Job description:

Job Description

Associate Product Manager – AI-Powered Collections Platform

Location: Chennai, India (Preferred) | Experience: 7–10 Years | Domain: Banking & Financial Services – Collections

About the Role

We are looking for an Associate Product Manager (APM) to help build and scale an AI-powered Collections Platform. Reporting to the Product Manager, the APM will contribute to product vision, strategy, roadmap, UX, business case and go-to-market. The role requires strong collections-domain knowledge and the ability to convert business, customer and regulatory challenges into scalable capabilities using AI, GenAI and Agentic AI.

Key Responsibilities

Product Strategy & Roadmap

• Partner with the Product Manager to define product vision, positioning and roadmap.
• Track customer needs, regulations, market trends, competitors and emerging technologies to identify product opportunities.

Domain & Product Capabilities

• Understand end-to-end collections across mortgages, cards, auto, personal loans, lines of credit and other secured/unsecured lending.
• Define capabilities for delinquency identification and segmentation; collection strategies/treatments; omnichannel engagement; collector workbench; account prioritization; promise-to-pay and payment arrangements; hardship/assistance; loss mitigation; skip tracing; disputes and case management; agency/vendor management; legal collections, recovery and charge-off.
• Translate collection journeys into configurable, multi-product strategies, rules and workflows.

AI, UX & Innovation

• Define AI capabilities including default-risk prediction, propensity-to-pay/cure, next-best-action/treatment, intelligent prioritization, case management and workflow automation.
• Design intuitive experiences for customers, collectors, supervisors, operations, risk/compliance and external agencies, including digital self-service for payments and arrangements.
• Embed human oversight, explainability, traceability and responsible-AI principles.

Compliance & Platform Governance

• Translate applicable U.S. and Canadian regulatory, privacy, security and data-governance requirements into product capabilities.
• Embed auditability, access control, data lineage and evidence retention by design.

Preferred Credentials

• 7–10 years of relevant experience in collections product management, product ownership, strategy or enterprise platforms.
• Strong knowledge of delinquency, collections, recovery, loan servicing and customer assistance.
• Experience with collections/servicing platforms, CRM, decisioning, workflow or digital banking; multi-product lending exposure preferred.
• Understanding of AI/ML, GenAI, Agentic AI, predictive analytics, data platforms and workflow automation.
• Bachelor’s degree in Engineering, Technology, Finance, Business or related discipline; MBA or relevant certification desirable.