Product Manager, Embedded Financial Services (F.OS)_MPIN

KEY RESPONSIBILITIES 

What the role owns

Embedded finance strategy  - Own and evolve the financial services roadmap, starting with embedded credit and extending to payments and adjacent products as customer need, economics and regulatory readiness allow.

Customer and use-case discovery  - Identify high-potential financing needs across fleet operators, system integrators, garages, marketplace sellers and vehicle owners. Define ideal customer profiles and prioritise use cases on need, economics and feasibility.

Lender and funding partnerships  - Work with banks, NBFCs and fintech partners to match lender appetite with customer segments on Bosch and partner platforms. Build multi-lender capability so the business does not depend on one funding source.

Financial product structuring  - Co-create products with lenders: credit limits, tenure, repayment constructs, transaction flows, eligibility criteria, pricing and customer propositions. 

Programme and scheme design - Design financing schemes, incentives, bundles and activation programmes that drive adoption and repeat utilisation. 

Platform partnerships  - Work with mobility and ecosystem platforms to find transaction flows where financial products can be embedded, and agree operating and commercial models that work for both sides.

Digital product and infrastructure - Define the journeys and architecture for onboarding, consent, KYC and KYB, lender routing, credit decisioning, checkout, disbursement, settlement, repayment visibility and reconciliation. 

Technology service provider management  - Work with lending service and technology providers to build reusable lender integrations and embedded journeys. 

Data and underwriting enablement - Convert consented mobility and transaction data into lender-consumable signals, such as fleet utilisation, running distance, garage throughput and purchase consistency. Contribute to a scoring and borrower-profiling approach together with the Identity Resolution and Consent Engine product lead.

Regulatory and governance coordination  - Work with Legal, Compliance and Finance to put the right referral, DSA, LSP or other operating constructs in place, and build data protection and consent requirements into the product from the start.

Commercial ownership - Define and negotiate sustainable monetisation for Bosch across access, utilisation, transaction and outcome-based revenue. 

Go-live and scale - Own pilots through user acceptance, first transaction, funnel measurement and iteration, and convert successful pilots into repeatable propositions across platforms.

How the role is measured 

The role is accountable for business outcomes, not only for product documentation. Effectiveness is assessed on: 

• Financial products successfully launched 

• Number and quality of active lender and financial-service partnerships 

• Number of eligible customers and active borrowers 

• Application to sanction to disbursement conversion 

• Credit utilisation and repeat transactions 

• Financing throughput enabled on partner platforms 

• Incremental revenue for Bosch MPS 

• Time from identified opportunity to first transaction 

• Platform and customer adoption, and expansion across financial products and partner platforms

Function: Quality Assurance
Experience Level: Mid-Senior Level