Idexcel - Product Manager

<p></p><p>Product Manager Lending the Role.<br/><br/>We are building the industrys first truly integrated, AI-powered lending and deposit platform spanning commercial lending, CRE, construction, small business, consumer lending, and deposit account opening.<br/><br/>The Director of Product Lending & Deposits will own the product strategy, roadmap, design, and delivery of all origination, servicing, and deposit lifecycle capabilities across unified financial services platform.<br/><br/>You will drive a seamless borrower and banker experience from acquisition and onboarding underwriting closing servicing portfolio monitoring payoffs/renewals, while also expanding into deposit accounts, payments, cash management, and agentic AI automation.<br/><br/>This is a highly impactful leadership role requiring deep banking domain expertise, strong product vision, and the ability to execute quickly in a high-growth environment.<br/><br/><b>Key Strategy & Vision:</b><br/><br/>- Define and own the unified product strategy for the end-to-end lifecycle of lending and deposit products.<br/><br/>- Drive a scalable core architecture supporting multiple financial products (commercial, consumer, CRE, construction, SBA, syndicated credit, ABL/BBC, etc.<br/><br/>- Lead expansion into deposit account opening (retail + business), onboarding/KYC, payments and transaction servicing.<br/><br/><b>Execution & Delivery:</b><br/><br/>- Lead multiple product teams (LOS, Servicing, Deposits, Collateral, Post-Origination Monitoring).<br/><br/>- Deliver high-quality releases ensuring borrower servicing data flow is consistent, automated, and auditable.<br/><br/>- Partner with Engineering to push velocity, reliability, and API-first integration with core banking systems.<br/><br/><b>AI-Driven Capabilities:</b><br/><br/>- Champion AI workflows across origination and servicing including:<br/><br/>- Automated underwriting.<br/><br/>- Document ingestion + extraction + validation.<br/><br/>- Borrowing base eligibility automation.<br/><br/>- Construction budget + draw automation.<br/><br/>- Covenant and credit performance monitoring.<br/><br/>- Intelligent borrower communications via Chat Assist.<br/><br/><b>Customer & Market Leadership:</b><br/><br/>- Engage with banks, credit unions, and fintech partners to validate requirements, prioritize roadmap based on business impact and regulatory needs.<br/><br/>- Own competitive positioning against market leaders (nCino, Jack Henry, Finastra, Abrigo, etc.<br/><br/><b>Financial / Compliance Insights:</b><br/><br/>- Ensure product compliance with banking regulations (FDIC, OCC, NCUA, CFPB, SBA).<br/><br/>- Build robust credit risk features including:<br/><br/>- Risk rating models.<br/><br/>- Migration & trending analytics.<br/><br/>- Portfolio stress testing.<br/><br/>- Concentration & exposure controls.<br/><br/><b>Team Leadership:</b><br/><br/>- Build, mentor, and scale a world-class product organization.<br/><br/>- Drive a culture of AI-first, customer delight, and rapid 10+ years in Product Management with strong background in lending systems (LOS + Servicing).<br/><br/>- Experience launching commercial loan types (CRE, C&I, SBA, Construction, ABL).<br/><br/>- Strong understanding of deposits, onboarding/KYC, payments, GL integration, and servicing workflows.<br/><br/>- Experience with regulatory and compliance requirements in banking.<br/><br/>- Excellent written and verbal communication with executive Understanding of core banking platforms (FIS, Jack Henry, Fiserv, Temenos).<br/><br/>- Experience with AI/ML-driven credit decisioning or automation.<br/><br/>- Startup/SaaS high-growth environment experience.<br/><br/>- Familiarity with agent-based architectures, real-time data exchange, and workflow engines.<br/><br/><b>Success in this Role Looks Like:</b><br/><br/>- A fully integrated LOS + Servicing + Deposits platform adopted across top-tier regional/community banks.<br/><br/>- AI embedded into 80%+ of lending workflows major increase in operational efficiency.<br/><br/>- Faster time-to-decision + time-to-funding for borrowers.<br/><br/>- Automated GL posting across all products with zero manual reconciliation.<br/><br/>- Fully scalable product lines supporting new asset types with minimal incremental engineering.<br/><br/><b>Why Join Us:</b><br/><br/>- You will be a key leader shaping the future of how financial institutions originate, underwrite, service, and grow loans and deposits using powerful automation, intelligence, and modern architecture.<br/><br/>- Were building the most comprehensive digital banking platform in the market and we want you to help lead that transformation.<br/></p><p></p> (ref:iimjobs.com)