Director of Product
- Idexcel
- 10 - 17 years
- Bengaluru
- 7 days ago
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Job Description
We're hiring for the internal team for The Director of Product:
Description
Director of Product Lending & Deposits (End-to-End Lifecycle)
About the Role
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. The Director of Product Lending & Deposits will own the product strategy, roadmap, design, and delivery of all origination, servicing, and deposit lifecycle capabilities across Cyncs unified financial services platform.
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.
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.
Key Responsibilities
Product Strategy & Vision
- Define and own the unified product strategy for the end-to-end lifecycle of lending and deposit products
- Drive a scalable core architecture supporting multiple financial products (commercial, consumer, CRE, construction, SBA, syndicated credit, ABL/BBC, etc.)
- Lead expansion into deposit account opening (retail + business), onboarding/KYC, payments and transaction servicing
Execution & Delivery
- Lead multiple product teams (LOS, Servicing, Deposits, Collateral, Post-Origination Monitoring)
- Deliver high-quality releases ensuring borrower servicing data flow is consistent, automated, and auditable
- Partner with Engineering to push velocity, reliability, and API-first integration with core banking systems
AI-Driven Capabilities
- Champion AI workflows across origination and servicing including:
- Automated underwriting
- Document ingestion + extraction + validation
- Borrowing base eligibility automation
- Construction budget + draw automation
- Covenant and credit performance monitoring
- Intelligent borrower communications via Chat Assist
Customer & Market Leadership
- Engage with banks, credit unions, and fintech partners to validate requirements, prioritize roadmap based on business impact and regulatory needs
- Own competitive positioning against market leaders (nCino, Jack Henry, Finastra, Abrigo, etc.)
Financial / Compliance Insights
- Ensure product compliance with banking regulations (FDIC, OCC, NCUA, CFPB, SBA)
- Build robust credit risk features including:
- Risk rating models
- Migration & trending analytics
- Portfolio stress testing
- Concentration & exposure controls
Team Leadership
- Build, mentor, and scale a world-class product organization
- Drive a culture of AI-first, customer delight, and rapid iteration
Qualifications
Required:
- 10+ years in Product Management with strong background in lending systems (LOS + Servicing)
- Experience launching commercial loan types (CRE, C&I, SBA, Construction, ABL)
- Strong understanding of deposits, onboarding/KYC, payments, GL integration, and servicing workflows
- Experience with regulatory and compliance requirements in banking
- Excellent written and verbal communication with executive presence
Preferred:
- Understanding of core banking platforms (FIS, Jack Henry, Fiserv, Temenos)
- Experience with AI/ML-driven credit decisioning or automation
- Startup/SaaS high-growth environment experience
- Familiarity with agent-based architectures, real-time data exchange, and workflow engines
Success in this Role Looks Like
- A fully integrated LOS + Servicing + Deposits platform adopted across top-tier regional/community banks
- AI embedded into 80%+ of lending workflows major increase in operational efficiency
- Faster time-to-decision + time-to-funding for borrowers
- Automated GL posting across all products with zero manual reconciliation
- Fully scalable product lines supporting new asset types with minimal incremental engineering
Contact person detail mentioned below
Thanks & Regards
Aishwarya J
7337692***
ai********j@id****l.com
Job Classification
Industry: BankingFunctional Area / Department: BFSI, Investments & TradingRole Category: LendingRole: Lending - OtherEmployement Type: Full timeContact Details:
Company: IdexcelLocation(s): Bengaluru
Keyskills: LOS Fintech Product Life Cycle Loan Origination System Product Management Lending Deposits Product Roadmap
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