Head of Product & Growth — AI Financial Services Concierge

Location : Bangalore
Role – Head of Product & Growth — AI Financial Services Concierge
Type : Full-time
Experience : 6 -10 years (AI / Fintech Product Leadership)
Reports to : Founder / CEO
Industry : AI, Fintech, Consumer Internet
About Us and Role Overview : AI concierge for Financial Services.
Possible Taglines - "Borrow smarter. Pay less '
Brand : Ask Birbal

About Founder - Harshvardhan Lunia is one of India’s most respected thought leaders in the fintech space and founder of Lendingkart. The platform has disbursed an estimated ₹20,000 crore+ and 14500+ pincodes reporting with one of the highest profit margins in the digital lending industry. The company also built one of the most advanced co-lending partnerships framework for MSME’s with 20+ banks and financial institutions and transformed credit access for millions of MSMEs across India. Under his leadership, Lendingkart became one of the most successful digital lending fintechs of the past decade.
He has been bestowed with prestigious awards presented by the Finance Minister, Ms. Nirmala Sitharaman, including “Best Fintech,” and has been featured by Forbes magazine. The company has also received multiple industry recognitions such as Best Fintech in Lending (BFSI, ET), Best Place to Work, and Dream Company to Work, among others.

Ask Birbal - AI concierge for Financial services

We plan to create an AI Financial concierge that guides users from “what should I do?” to “it’s done” across financial services. We plan to start with Loan products creating a platform that helps in discovery, delivery and long term customer support for them. Finally helping the customer to manage all his loans and account liabilities at one place.

Problem :
Financial decisions in India are high-stakes and messy:
Users face anxiety, confusion, and decision paralysis during product selection.
After choosing, execution is fragmented across banks, DSAs, KYC, vendors, and follow-ups.
Post-disbursal support is inconsistent and slow—hurting trust and sometimes credit scores.
Existing tools answer questions, but don’t guarantee correctness, continuity, and don’t drive outcomes to closure.
Solution:
We will replace forms, intermediaries and disconnected touchpoints with executed outcomes and full information for the consumer.

We will create :
Conversational Intelligence : Natural, human-like guidance that simplifies complex financial questions and gives instant, trusted answers.
AI-Powered Decision Support : Help compare, choose, and act on the best products without bias or confusion
Smart Personalization : Context-aware insights tailored to each user’s goals and financial needs.
Guided full delivery journey support : Beginning from Application process, document management, periodic updates, query resolutions, sanctions and disbursals.
Problem Resolution: Continuous support across the entire lifecycle of financial products/services to resolve issues faster and with less effort.

Key Responsibilities

1. Architecting the AI-Native North Star
Evolve Ask Birbal from a question-answering tool into a trusted, personalized Financial Concierge.
Define and own the product vision and roadmap across Chat, Voice, and App.
Design end-to-end journeys that move users from Discovery →Delivery→ Ongoing Servicing & LMA
Convert strategy into clear PRDs, milestones, and delivery plans.

2. Conversational Intelligence & Decision Making
Own the AI-first user experience, ensuring the system understands user intent, financial context, and emotional cues.
Context-Aware UX: Own the LLM-driven interface. Responsible for the AI’s ability to decode intent, handle financial nuances, and maintain Trust Boundaries in a regulated environment.
Build the decision engine that handles:
Eligibility checks
Product comparison and ranking
Clear next-step recommendations that drive completion
Ensure full transparency in AI decisions—users should always understand:
Why a loan was recommended
Why a rate or lender was chosen
What factors influenced approval or rejection

3. End-to-End Loan Origination & Delivery
Lead the creation of a 24×7 automated loan journey, reducing dependency on manual follow-ups.
Design a proactive communication system that updates users at critical stages (application, verification, sanction, disbursal), eliminating uncertainty and delays.
Build & Work closely with engineering and AI teams to shape core assistant capabilities (RAG, LLM prompts, agentic workflows, automation).

4. Growth Ownership & Unit Economics
Build product-led growth loops where better outcomes drive repeat usage, referrals, and lower acquisition costs.
Own unit economics end-to-end, including:
CAC, LTV, and payback periods
Conversion rates across the full loan funnel
Identify and scale new growth opportunities, including underserved segments, new geographies, and alternative distribution channels.
Ensure growth is profitable, scalable, and defensible, not just fast.

5. Product-Led Growth & Experimentation
Design onboarding to deliver an immediate “Aha” moment, reducing Time-to-Value for first-time users.
Apply behavioral science principles (choice simplification, loss aversion, trust signals) to improve decision confidence—without dark patterns.
Run continuous, high-speed experimentation across:
AI conversations
Pricing and fee presentation
UI flows and nudges
Make decisions based on data, not opinions.
GTM Innovation: Identify "Blue Ocean" segments (untapped demographics/geographies) and deploy rapid Go-To-Market playbooks to capture market share.

6. Trust, Compliance & Leadership
Embed RBI compliance and digital lending guidelines directly into product design, consent flows, and data handling.
Ensure strong data privacy, security, and user consent frameworks across all touchpoints.
Build and lead a high-caliber team across:
Product management
UX and research
AI product and growth analytics
Own the growth and product narrative for founders and investors—clearly explaining traction, risks, and long-term value creation.
Skills & Experience :
Experience: 6+ years in Product/Growth, with a proven track record of scaling a Consumer Internet or Fintech product from 0 to 1 and 1 to 10.
Technical Savvy: Deep understanding of AI Agentic workflows, RAG architectures, and the Modern Growth Stack.
Mindset: You are a "Growth Scientist" who loves data but respects the art of brand and trust-building in finance.

Why Join Us :
Build the AI Core Growth & Product Engine of a Next-Generation Fintech Platform
Solve Hard, High-Impact Customer & Distribution Problems
Create a Long-Term Growth and Product Moat
Shape the Customer Journey from Discovery to Disbursal and Beyond
Help build Responsible & Trusted AI
Direct Impact on Revenue, Retention & Financial Outcomes