Sr. Product Manager, Credit and Lending, Amazon Credit and Lending

Amazon Pay is seeking an innovative and highly motivated Product leader to reimagine the future of credit and lending in India. We are looking for an experienced Product leader who loves listening to customers, uncovering stated and unstated problems and finding the right product experiences to solve these problems. A Product leader at Amazon is an entrepreneur. You will articulate compelling user stories, crisply define customer and product requirements, own the product roadmap, and refine specifications and architecture through the product lifecycle. You will work closely with design, engineering, data sciences, project management and legal teams in an agile environment to launch products and scale them to tens of millions of customers. You will work with marketing, sales, business development, finance, and account management teams to drive the adoption of your product and further refine features and functionality basis live customer feedback. You will be accountable for ensuring that the product complies with external regulation, and the operating processes and systems you setup are scalable. A successful candidate will be a self-starter with excellent business acumen & vision, product & program management skills, and a highly effective people leader who can work in a highly ambiguous environment. You will bring a heightened sense of ownership, thought leadership and product building expertise to a fast-pace start-up environment, and you will be partnering with technology teams and stakeholders across Amazon to drive business outcomes. Key job responsibilities We are looking for a Sr. Product Manager (L6) to drive usage and engagement on APL — growing activity rates, deepening consumption, and simplifying the discovery, usage, and repayment experience, all while keeping abuse and fraud in check. This is a high-impact, data-intensive role requiring close partnership with lender, technology, marketing, and customer service teams. - Grow activity & usage — Improve activity rates and transaction frequency across customer segments through product interventions spanning discovery, usage, and repayment. - Simplify the customer experience — Streamline the discovery, usage, and repayment journey, and design tiered rewards programs that enhance consumption and stickiness. - Expand acceptance — Drive ubiquity of acceptance of credit lines on Amazon as well as off Amazon, across both online and offline merchants. Manage the credit lifecycle — Own credit limit management (upgrades/downgrades) and upselling, balancing consumption growth with control of abuse and fraud. - Own strategy & roadmap — Define the market opportunity, engagement and usage strategy, and product roadmap; secure sign-off from senior leadership - Cross-functional collaboration — Partner with tech, sales, operations, marketing, and CS teams through structured WBR/MBR governance cadences to drive outcomes. - Define metrics & reporting — Establish success metrics and maintain rigorous tracking to inform roadmap prioritization and GTM decisions. A day in the life In a single day you may end up debating the best onboarding experience with the design team, reviewing the latest insights from customer research, and working with data scientists to identify patterns that help you target your customers better. The role requires creation of capabilities across credit lifecycle (credit modelling, onboarding, shopping experience, simplified repayments, cross selling etc.). It requires this leader to work very closely with lender partners to define and deliver industry best value propositions. You will be listening closely to customers to identify gaps/opportunities where credit can transform experience and drive delight, stickiness and higher consumption About the team Credit and Lending team's mission is to enable access to credit, for Amazon's customers and business partners, with the most seamless and rewarding experience. We have been on the fore-front of