---
title: "Mohammed Nihar - Associate Product Manager in Bengaluru | Tal"
description: "Meet Mohammed Nihar, Loan Management System (LMS) Product Manager | Lending Infrastructure & Co-Lending | Loan Lifecycle, Repayment Schedules, NACH Reconciliation | ₹1,800 Cr+ AUM based in Bengaluru. AI stack includes claude."
image: "https://tal.club/meet/md-nihar/share-image"
---

# Mohammed Nihar on Tal

## Headline

Loan Management System \(LMS\) Product Manager \| Lending Infrastructure & Co\-Lending \| Loan Lifecycle, Repayment Schedules, NACH Reconciliation \| ₹1,800 Cr\+ AUM

## About

I'm a Loan Management System \(LMS\) Product Manager who owns the core infrastructure lenders run their disbursement, repayment, and collections lifecycle on — not just the requirements layer, but the business rules, data models, and production reliability underneath it\. At Wortgage Finance \(WeRize\), I own the LMS end\-to\-end for a platform managing ₹1,800 Cr\+ in live AUM\. I define the calculation logic — interest/principal allocation, charges, penalties, overdue interest — design the data models engineering builds against, and stay in production to debug real loan\-data issues using SQL when something breaks\. What I focus on as a Lending Product Manager: → Co\-lending infrastructure — architected LMS\-side workflows for partner disbursement sharing, repayment sharing, and reconciliation across multiple co\-lending partners; own the post\-disbursement partner relationship end\-to\-end, including partner escalations\. → Loan Against Property \(LAP\) — designed and built this module from scratch, including a multi\-tranche repayment schedule \(RPS\) framework\. → Payments & NACH reconciliation — implemented Razorpay/NACH integration inside the LMS \(\+6\.5% NACH presentation collection\) and built the reconciliation layer between the gateway and the LMS, closing co\-lender repayment gaps\. → Data governance — own all core LMS tables, with 10\+ validation checks and audit queries to keep loan and charge\-creation data reliable at scale\. Before this, at IndiaP2P I took a borrower app from 0→1 \(60% adoption among existing borrowers\) and turned internal lending tools into a modular, multi\-tenant SaaS platform — the same platform\-thinking I now apply to LMS architecture\. I sit at the intersection of product, deep lending\-domain knowledge, and enough technical fluency \(SQL, PostgreSQL, API design, data modelling\) to make real build decisions — not just pass requirements downstream\.

## Location

Bengaluru

## AI stack

claude

## Work experience

Associate Product Manager at WeRize, Sep 2025 \- Present · 1 yr 2 mos, Bangalore Urban, Karnataka, India, LMS Core Ownership Own the Loan Management System \(LMS\) as the primary product surface for co\-lending, disbursement, and repayment workflows — driving system design, business rules, and data model decisions on a platform managing ₹1,800 Cr\+ live AUM\. Independently define the full loan lifecycle: creation → sanction → disbursement → repayment schedule → EMI → collections → reconciliation → DPD → NPA → foreclosure/closure, including interest/principal allocation, charges, penalties, and overdue interest\. Own all core LMS tables; introduced 10\+ validation checks and audit queries for charge\-creation logic in LMS and RPS\. Investigate production issues via SQL, identify incorrect loan/repayment data, and fix it through controlled scripts with engineering, operations, and FinOps\. Co\-Lending Infrastructure Architected external lender integration workflows inside the LMS — disbursement sharing, repayment sharing, and reconciliation — across multiple co\-lending partners with partner\-specific agreements\. Own the full post\-disbursement co\-lending workflow end\-to\-end and handle partner escalations directly\. Loan Against Property \(Built from Scratch\) Designed and built the LAP module end\-to\-end, including multi\-tranche disbursement and a structured Repayment Schedule \(RPS\) framework for flexible repayment handling\. Payments & Reconciliation Implemented Razorpay integration for NACH registration inside the LMS, replacing a fragmented external process — improved NACH presentation collection by 6\.5%\. Built the reconciliation layer between Razorpay and the LMS, streamlining FinOps and closing co\-lender repayment gaps\. Primary POC with the payment gateway for collections; built a maker\-checker portal for settlement links — improved NPA loan collection by 2\.25%\. Roadmap & Decision\-Making Own the LMS roadmap: gather requirements from business, operations, FinOps, and co\-lending partners; prioritize by impact; present decisions to leadership\.

Associate Product Manager at IndiaP2P, Apr 2024 \- Sep 2025 · 1 yr 6 mos, Bangalore Urban, Karnataka, India, Borrower App \(0→1 Launch\) Spearheaded end\-to\-end development of IndiaP2P's first borrower app, MVP to Phase 2 — onboarding through repayments — reaching 60% adoption among existing borrowers\. Owned the MVP\-to\-Phase 2 roadmap, coordinating design, engineering, and compliance\. Ran borrower feedback loops to identify friction points and shape Phase 2 priorities\. Platform & SaaS Productisation Turned internal tools \(Collections, LMS\) into modular, monetizable SaaS microservices; redesigned the core LMS into a multi\-tenant platform managing loan creation, repayment schedules, and delinquency for internal teams and external partners\. Designed the multi\-tenancy and data isolation model enabling independent partner onboarding\. Standardized APIs across microservices, reducing partner integration effort\.

## Education

Master's degree, Psychology, bangalore university

Bachelor of Arts \- BA, Psychology, surana college

[View the original profile](https://tal.club/meet/md-nihar)

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