Introduction
Go Digit General Insurance, known to customers as Digit Insurance, is a Bengaluru-headquartered general insurer that has grown from a 2017 launch into one of India's leading private non-life insurers. It listed on NSE and BSE in May 2024, is backed by Fairfax, and is led by MD and CEO Jasleen Kohli, who took charge in 2022. In FY26 (year ending March 2026) Digit reported gross written premium of about ā¹11,294 crore, profit after tax of about ā¹544 crore, and market shares of 3.4% overall and 6.3% in motor insurance.
Digit's brand is built on simplicity and technology: easy-to-read policies, smartphone self-inspection for motor claims, AI-assisted damage assessment, and a digital platform used by thousands of distribution partners. For product managers, that means problems that span customers, partners (dealers, aggregators, POSP agents), hospitals, garages and regulators. Interviews test whether you can think across all of them.
| Hiring Metric | Estimate |
|---|---|
| Typical open product roles at a time | 3ā10 (Product, Product Strategy & Analytics, Product Development) |
| Interview rounds | 3ā5 |
| Average time to hire | 2ā5 weeks |
| Main location | Bengaluru (some roles in Pune and Mumbai) |
| Campus entry | Management Trainee programmes; occasional product roles for MBA graduates |
Candidates across roles describe Digit's interviews as medium difficulty and fairly quick, often completed within one to two weeks. Product-related interviews often include a "create a product" or scenario question and an analytics component. Showing that you understand insurance basics, such as claims, loss ratios and distribution, makes a strong impression.
PM Role
A Digit Insurance Product Manager designs and improves digital insurance journeys, such as buying, renewing, claiming and partner selling, for motor, health, travel and other lines, balancing customer experience, partner needs, risk and IRDAI rules.
Types of product roles at Digit:
- Digital product managers: Own the customer app, website, WhatsApp journeys and claims experiences.
- Partner platform PMs: Build tools for dealers, aggregators, brokers and POSP agents to quote, issue and renew policies.
- Product strategy and analytics: Analyse portfolio data, pricing, channel performance and opportunities; listings describe these roles within Digit's product team in Bengaluru.
- Insurance product development: Design policy wordings, add-ons and IRDAI product filings, often working closely with underwriting and actuarial teams.
- Claims technology PMs: Self-inspection, AI damage assessment, fraud detection and hospital integrations.
Responsibilities:
- Understand customer and partner problems through data and research.
- Write PRDs and work with engineering, design, underwriting, claims and compliance.
- Run experiments on conversion, renewal and claims journeys.
- Track metrics such as quote-to-issue conversion, renewal rate, claim turnaround and loss ratio.
- Coordinate product changes that require regulatory filings.
Job Requirements
| Level | Typical experience | What Digit looks for |
|---|---|---|
| Management Trainee / Analyst (product track) | Fresh MBA or engineering graduates | Analytical skills, structured thinking, communication |
| Associate Product Manager | 1ā3 years | Feature ownership, SQL and Excel, curiosity about insurance |
| Product Manager | 3ā6 years | End-to-end product ownership, consumer or B2B2C experience |
| Senior PM | 6ā9 years | Ownership of a line or platform, stakeholder management |
| Lead / AVP Product | 9ā13 years | Multiple teams, strategy, partner and regulatory negotiation |
Skills that matter most:
- Insurance fundamentals: Premium, sum insured, IDV, No Claim Bonus, loss ratio, combined ratio, claims process, POSPs and IRDAI's role.
- Analytics: SQL, Excel, funnels, cohort analysis; pricing and portfolio thinking for strategy roles.
- B2B2C thinking: Many journeys involve a partner between Digit and the customer.
- Process design: Claims and operations are as important as screens.
- Communication: Clear documents for underwriting, legal and compliance teams.
Insurance experience is helpful but not required; candidates from fintech, consumer internet and consulting are common.
Interview Process Breakdown
Based on reports on AmbitionBox, Glassdoor, Indeed and campus experiences, a typical product interview process looks like this.
1. Screening call (20ā30 minutes) Recruiter or hiring manager discusses your background, motivation and interest in insurance. Expect "Why Digit?" and "Why insurance?"
2. Product case round (45ā60 minutes) A product design or improvement case. Candidates report scenario questions such as creating a new product. Examples:
- Design a better claims experience for two-wheeler owners.
- Improve the motor renewal journey.
- Design a travel insurance product for students.
3. Analytics or metrics round (45ā60 minutes) Metrics definition and root cause analysis, sometimes with an Excel or SQL task:
- How would you measure success of self-inspection?
- Renewal rate dropped; how would you investigate?
4. Hiring manager round (45 minutes) Deeper discussion of past work, product judgement and how you work with operations, underwriting and claims teams.
5. HR or leadership round (30 minutes) Culture fit, expectations and compensation. For senior roles, a conversation with a business head is common.
Campus route: For management trainee hiring, candidates report aptitude tests, group discussions and interviews, with questions on why insurance and basic business cases.
Digit interviewers often probe how a product idea affects claims and loss ratios, not just conversion. Always close your answers with risk and profitability guardrails.
Product Manager Compensation & Levels at Digit Insurance
Digit pays competitively for a listed insurer, typically above traditional insurers and somewhat below top consumer internet companies.
| Level | Estimated 2026 total cash (INR per year) |
|---|---|
| Management Trainee (product track) | ā¹10 Lāā¹16 L |
| Associate Product Manager | ā¹12 Lāā¹20 L |
| Product Manager | ā¹20 Lāā¹32 L |
| Senior PM | ā¹32 Lāā¹48 L |
| Lead PM / AVP Product | ā¹45 Lāā¹65 L |
| VP / Head of Product | ā¹65 Lāā¹1.1 Cr |
These estimates are anchored on AmbitionBox data showing Digit product manager pay in a range of about ā¹11 L to ā¹46 L, adjusted for 2026. Compensation includes fixed pay and an annual performance bonus; senior roles may include stock options or restricted stock under the company's employee schemes. See the salary guide for details.
How to Prepare
1. Learn insurance basics. Understand how motor and health insurance work: premium, sum insured, IDV, deductibles, NCB, add-ons such as zero depreciation, cashless vs. reimbursement claims, loss ratio and combined ratio.
2. Use Digit's products. Get a motor or travel quote on Digit's website, explore the app, read a policy wording and walk through the claims process described online. Note friction points.
3. Understand distribution. Know who sells Digit policies: dealers, aggregators, banks, brokers and POSP agents. Many cases involve partners.
4. Follow the business. Read Digit's quarterly results and investor presentations. Know that motor is the largest line, that health declined in FY26, and that the company described a shift to partner-based underwriting in early 2026.
5. Practise case types. Product design (claims, new products), improvement (renewals, health claims), metrics (self-inspection, partner platform), root cause (renewal drop, claim delays), strategy (distribution, health growth) and trade-offs (automation vs. fraud, telematics vs. privacy).
6. Prepare stories. Two or three STAR stories on working with operations or compliance, using data to change a decision, and improving a process.
7. Mock interviews. Practise with PMs who know insurance or fintech. NextSprints' question bank includes Digit-style cases to rehearse.
FAQs
Does Digit Insurance have a campus program for product roles?
Digit hires management trainees from campuses, and some trainees move into product, strategy and analytics roles. Dedicated APM programmes are not widely advertised, so students should apply to management trainee and analyst roles and express interest in product work.
How long does the Digit interview process take?
Candidate reports on Indeed and AmbitionBox suggest the process often takes around one to two weeks across roles, though product roles with more rounds can take three to five weeks.
Do I need insurance experience to become a PM at Digit?
No, but you need to learn the basics quickly. Interviewers expect you to understand claims, loss ratios and distribution, and to consider risk when proposing features.
What kind of case questions should I expect?
Expect cases tied to Digit's real products: motor claims and renewals, health claims, partner tools for POSPs, travel insurance and pricing trade-offs. Analytics questions often focus on funnels and claims metrics.
Is SQL tested?
Some product and analytics roles include a SQL or Excel exercise. Even when not tested, interviewers value candidates who can work with data independently.
What makes candidates stand out at Digit?
Candidates who combine customer empathy with an understanding of insurance economics, partner incentives and regulation stand out. Specific ideas for improving Digit's claims or renewal journeys show genuine interest.
Related Guides Section
š Digit Insurance Product Strategy Guide ā Digit's growth and distribution strategy.
š Digit Insurance Product Manager Salary Guide ā PM pay at Digit by level in INR.
š Digit Insurance Product Teardown ā A teardown of Digit's digital insurance experience.
Disclaimer: This guide is created for product management interview preparation purposes only. It is based on public information and candidate reports, and figures are estimates.
