Senior Product Consultant- Corporate Lending

Role Overview:

We are looking for an experienced Product Consultant – Corporate Lending to build and scale digital corporate lending solutions in a fast-paced fintech environment. This role focuses on creating seamless, technology-driven lending experiences for SMEs, mid-market, and enterprise clients. The ideal candidate will have a strong understanding of corporate lending products and processes, combined with hands-on experience in digital lending platforms, loan origination, underwriting, credit decisioning, API integrations, automation, and product lifecycle management.

Key Responsibilities:

• Own the end-to-end product lifecycle for digital corporate lending platforms (origination, underwriting, disbursement, servicing)
  
• Define product vision, strategy, and roadmap aligned with fintech growth objectives
  
• Build scalable loan origination systems (LOS) and loan management systems (LMS)
  
• Design and optimize digital onboarding journeys for corporate clients (KYC, document collection, verification)
  
• Collaborate with engineering, data science, credit risk, compliance, and business teams
  
• Drive automation in underwriting using rule engines, scorecards, and alternative data
  
• Develop API-based integrations with third-party providers (credit bureaus, GST/tax systems, bank statement analyzers, payment gateways)
  
• Leverage data analytics to improve approval rates, reduce risk, and enhance customer experience
  
• Ensure compliance with regulatory requirements (RBI or relevant global regulators depending on market)
  
• Build innovative products such as embedded finance, supply chain financing, invoice discounting, and BNPL for businesses
  
• Continuously experiment (A/B testing) to improve conversion funnels and reduce drop-offs
  

 Required Qualifications:

• Strong understanding of corporate lending products
  
• Experience in building or working with digital lending platforms (LOS/LMS)
  
• Familiarity with APIs, integrations, and microservices architecture
  
• Understanding of credit risk, underwriting processes, and financial statement analysis
  
• Strong analytical skills with experience in data-driven decision making
  
• Excellent stakeholder management and communication skills
  

 Preferred Qualifications:

• Multi-Facility Financing- Integrated financial solutions combining multiple credit facilities under one structure.
  
• Bill Discounting-Unlock immediate cash flow by discounting receivables before their due date.
  
• Working Capital Finance-Ensure smooth day-to-day operations with adequate short-term funding.
  
• Cash Credit (CC)-Flexible borrowing facility against stock and receivables.
  
• Business Loans / Term Loans-Medium to long-term funding for expansion, asset purchase, or business growth.
  
• Consumer & Commercial Vehicle Loans-Financing for purchase of personal or business-use vehicles.
  
• Commercial Equipment Financing-Loans for machinery, tools, and industrial equipment.
  
• Letter of Credit (LC) / Standby Letter of Credit (SBLC)-Secure domestic and international trade transactions with bank-backed guarantees.
  
• Bank Guarantee (BG)-Assurance to third parties for contractual or financial obligations..
  
• Project Financing-Structured funding for large-scale infrastructure and industrial projects.
  
• Structured Finance-Customized financial solutions often used in mergers, acquisitions, or leveraged buyouts.