Founding Product Manager, NIRA

Join the Tilt team At Tilt, we see a side of people that traditional lenders miss. Our mobile-first products and machine learning-powered credit models look beyond credit scores, using over 250 real-time financial signals to recognize real potential. With millions of customers worldwide , we're not just changing how people access financial products — we're creating a new credit system that backs the working, whatever they're working toward. The Opportunity: Founding Product Manager, NIRA NIRA is an established and growing fintech lender in India, and product is central to where we’re headed next. We are compounding fast: funnel improvements are landing, we are building toward our own NBFC, and our next credit product is moving from strategy into build. This is the first PM hire in NIRA’s current team. India's financial infrastructure spanning Account Aggregator, Credit Line on UPI, the Unified Lending Interface is advancing faster than anywhere in the world. UPI registers nearly a billion transactions a day. You’ll be building a product on top of infrastructure that doesn’t exist at this scale anywhere else, and the window to shape how it’s used in lending is right now. As part of a small, high-ownership team on the ground in Bangalore, you will be part of an international product and leadership network with direct accountability for outcomes that matter. How You’ll Make an Impact Drive strategy through deep user insight: Know the borrower better than anyone else by combining continuous, hands-on qualitative research with hard data. You will translate these ground-truth learnings directly into foundational product direction and nuanced UX decisions. Own the lending funnel end-to-end: Own the lending funnel as a product system. Develop a point of view on where the highest-leverage interventions sit (UX, policy, pricing, segmentation), prioritize ruthlessly, and be accountable for moving conversion, approval, and disbursal — including the willingness to kill work that isn't moving the needle Build Short Term Credit from the ground up: Own the 0-to-1 product strategy by defining the core hypothesis, segmenting the target user base, and identifying the critical early use cases to win. From this strategic foundation, architect the end-to-end borrower experience. Lead the continuous refinement of UX in lockstep with credit policy for this fast-moving, high-frequency product. Own strategy and roadmap: Own product strategy and roadmap, translating business goals and customer needs into clear priorities, initiatives, and measurable outcomes.Regularly produce work that moves company-level OKRs. Defend prioritisation decisions with data. Work with AI tools the way great practitioners do: We use Claude and other AI tools actively in our day-to-day. You’ll use them to compress the time from hypothesis to validated signal — specs, analysis, prototyping, discovery. You see AI as a force multiplier on personal output, not a novelty. Why You’re a Great Fit You act, you don’t wait: You make the call when information is 70% complete and the cost of waiting exceeds the cost of being wrong. You don’t escalate solvable problems. Seniority here means fewer gates, not more. Quantitative by default: Data is not a backup for intuition - it’s the starting point. You run your own queries, build your own models, and produce consistently error-free analysis. You change your position in response to data without needing a second opinion to give you permission. Resource-constraint native: You cut scope to preserve core intent - optimising for low bandwidth, not more headcount. Systems thinker: You reason in stocks and flows; you build explicit models, name their assumptions, and identify which assumption is most likely to break. Strong communicator across functions and borders: You translate product thinking for credit, compliance, and engineering stakeholders with equal fluency. You know when to share context, when to ask for input, and how to make a compelling case to a reluctant partner. Fintech or non-bank lending background strongly preferred over traditional banking. Don’t meet every qualification? We care about potential over your past. If you’re bringing ambition and drive to what we’re building, we want to hear from you. Don’t meet every qualification? We care about potential over your past. If you're bringing ambition and drive to what we're building, we want to hear from you. What you'll get at Tilt Virtual-first teamwork: The Tilt team is collaborating across 14 countries, 12 time zones, and counting. You’ll get started with a WFH office reimbursement. Competitive pay: We're big on potential, and it's reflected in our competitive compensation packages and generous equity. Complete support: Find flexible health plans at every premium level, and substantial subsidies that stand up to global standards. Visibility is yours : You can count on direct exposure to our leadership team — we’re a team where good ideas travel quickly. Paid global onsites : Magic happens IRL: we gather twice yearly to reconnect over shared meals or kayaking adventures. (We’ve visited Vail, San Diego, and Mexico City, to name a few.) Impact is recognized : Growth opportunities follow your contributions, not rigid promotion timelines. The Tilt Way We're looking for people who chase excellence and impact. Those who stand behind their work, celebrating the wins and learning from the missteps equally. We foster an environment where every voice is valued and mutual respect is non-negotiable — brilliant jerks need not apply. We're in this together, working to expand access to fair credit and prove that people are incredible. When you join us, it's not just another day at the [virtual] office, you're helping millions of hardworking people reach better financial futures. You’re pushing ahead in your career? We can get behind that. Join us in building the credit system that people deserve.