Product Manager - Auto Lending
- Idexcel
- 9 - 14 years
- Bengaluru
- 1 day ago
- Email to a friend
- Report this job
Job Description
Description
Product Manager Auto Lending Platform & Agentic AI
Experience: 712+ Years in Banking/FinTech Auto Lending Product Management
Employment Type: Full-Time
About the Role
We are hiring an experienced Product Manager to lead the product strategy, roadmap, and execution of our Auto Loan Origination Platform for banks, credit unions, and lenders. This platform will support auto loans end-to-endfrom researching cars, pre-qualification, underwriting, collateral verification, closing, and fundingwith embedded Agentic AI automation to modernize and accelerate decisioning and operational processes.
You will own product capabilities across the Customer Portal, Lender/Underwriting Workflows, and Product Configuration/Admin to deliver a frictionless, compliant, and AI-driven auto lending experience.
Key Responsibilities
Product Strategy & Roadmap
- Define and own the product vision, roadmap, and KPIs for the Auto Lending platform across consumer and indirect auto lending models.
- Conduct competitor and market analysis (Defi Solutions, Origence, Carvana, AutoFi, Dealertrack, RouteOne, Upstart, etc.) to ensure platform differentiation.
- Drive an AI-first roadmap leveraging Agentic AI to automate underwriting, document processing, lien verification, collateral validation, and decision recommendations.
End-to-End Product Responsibilities
Customer Portal Digital Borrower Experience
You will define and deliver a frictionless auto shopping and loan application journey enabling borrowers to:
- Search for cars to buy and compare options.
- Browse available loan products (new, used, refinance, lease buyout).
- Calculate payments with real-time pricing, APR, and fees.
- Obtain instant Pre-Approval based on soft credit and eligibility rules.
- Find/select a dealership or integrate with a dealer network.
- Access AI-powered application assistance for help, questions, and next steps.
- Complete a simplified, fast, mobile-first loan application flow.
Lender / Underwriting & Operations
You will lead capabilities to automate and streamline the lenders side of the auto loan lifecycle, including:
- Income & employment verification integrations (paystubs, payroll, bank data, etc.).
- Cash-flow analysis and affordability checks.
- Insurance proof collection and validation.
- Compliance checks across lending regulations (Reg B, FCRA, UDAAP, ECOA, MLA).
- Automated document generation (contracts, disclosures, funding docs).
- Automated document QA for completeness, accuracy, and data validation.
- Automated Closing & Funding workflows, reducing manual operations.
- Integration for VIN decoding, vehicle history, and valuation.
- Integration for collateral tracking, liens, and existing loan payoffs.
- Automated and AI-driven compliance checks for borrower and vehicle eligibility.
Product Configuration / Admin
You will own configuration capabilities that empower banks and lenders to tailor the auto loan product including:
- Build/Configure Auto Loan products (new, used, refinance, lease buyout, EV).
- Maintain product general information, terms, parameters, and eligibility rules.
- Configure Pricing & automation rules (APR, fees, dealer compensation, residuals).
- Configure fees (origination, late fees, doc fees, government fees, add-ons).
- Configure system-generated documents and disclosures used in automated workflows.
Agentic AI Responsibilities
Lead the integration of AI Agents across the auto lending lifecycle to:
- Provide AI-powered borrower assistance (car research, eligibility, application help).
- Pre-fill application data, extract VIN and vehicle details from documents.
- Analyze documents for income, employment, insurance, and collateral.
- Generate AI-drafted credit memos, underwriting summaries, and conditions.
- Recommend approval/decline/conditions based on credit policy and risk.
- Auto-detect missing information and initiate tasks or document requests to borrowers or dealerships.
- Reduce manual lender workload via cognitive process automation and exception handling.
Execution & Delivery
- Convert product vision into business/functional requirements, user stories, and acceptance criteria with banking-grade precision.
- Partner with Engineering, Data/AI, UX, Compliance, Integrations, and Client Delivery teams to execute the roadmap.
- Own sprint planning, backlog prioritization, launch readiness, and post-launch feedback loops.
- Track funnel conversion KPIs, abandonment, pre-approval to funding ratio, automation rates, and decisioning SLAs.
Required Skills & Qualifications
- 914+ years of Product Management experience in Auto Lending, Consumer Lending, or Digital Banking.
- Strong auto lending domain knowledge across underwriting, collateral, funding, and dealer finance workflows.
- Experience with consumer lending regulations: Reg B, FCRA, ECOA, MLA, UDAAP, e-sign, e-consent.
- Experience designing customer onboarding workflows, credit decisioning, and automation.
- Strong ability to translate lending policy into system rules and AI-driven workflows.
- Ability to work with vendors and integrations for collateral, VIN, title, insurance, and dealer networks.
Preferred / Nice to Have
- Experience in Indirect Auto Lending, Dealer-Lender platforms, or Dealertrack/RouteOne integrations.
- Experience with Agentic AI, workflow orchestration, or lending automation platforms.
- Exposure to pricing engines, residual value forecasting, or EV loan incentive programs.
- Understanding of refinance and pay-off verification flows.
What We Offer
- Leadership opportunity to build a next-gen, AI-first Auto Loan Origination platform.
- Ability to influence the products impact across banks, credit unions, and FinTech auto lenders.
- Competitive compensation with career growth path to Director of Product Auto & Consumer Lending.
Thanks & Regards
Aishwarya J
7337692***
ai********j@id****l.com
Job Classification
Industry: FinTech / PaymentsFunctional Area / Department: BFSI, Investments & TradingRole Category: LendingRole: Lending - OtherEmployement Type: Full timeContact Details:
Company: IdexcelLocation(s): Bengaluru
Keyskills: Auto Lending Digital Banking Generative Ai Digital Lending
Similar positions
Idexcel
Wipro Ltd (NYSE:WIT) is a global information technology, consulting and outsourcing company with 170,000+ workforce serving clients in 175+ cities across 6 continents. \\\\r\\\\n\\\\r\\\\nWipro helps customers do business better by leveraging our industry-wide experience, deep technology expertise, ...
Job Listings
We are in open beta version of website, please let us know if any issues, at: info(at)indigojobs.in