Role Purpose

The Product Manager - Cross-Sell & Business Planning will be responsible for driving multi-product penetration across the Commercial Banking portfolio through strategic planning, budgeting, performance tracking, data-driven insights, and stakeholder management. The role requires close coordination with state sales teams, product teams, finance, operations, and analytics functions to ensure achievement of cross-sell objectives, timely reconciliations, and resolution of business queries.

Key Responsibilities -

Business Planning & Budgeting

Support annual and periodic business planning exercises for cross-sell products.
Prepare budgets, forecasts, targets, and productivity models across products and geographies.
Track performance against approved business plans and budgets.
Analyze trends & recommend growth opportunities

Cross-Sell Program Management

Drive multi-product cross-sell initiatives across segments.
Monitor product penetration and cross-sell ratios across regions and states.
Design and track cross-sell campaigns, contests, and performance.
Identify gaps in product adoption and create action plans to improve penetration.

Performance MIS & Analytics

Prepare periodic MIS, dashboards, and management reviews.
Generate actionable insights for leadership and field teams
Ensure accuracy and integrity of business data and reporting metrics

Reconciliation & Controls

Manage product-wise, incentive-related & all kinds reconciliations.
Coordinate with Operations, Sales teams & other cross-functional teams to resolve discrepancies.
Ensure timely closure of reconciliation items and adherence to internal controls.

Query Resolution & Business Support

Provide prompt resolution of business and operational queries from field teams.
Support product-related clarifications, organizing product trainings and refresher.

Qualification & Experience

MBA/PGDM preferred.
3-6 years of experience in Banking, Product Management, Business Planning & Strategy.
Experience in managing cross-sell programs, business MIS, budgeting, and stakeholder management will be an advantage.

Strong proficiency in Excel, PowerPoint, and data analysis tools

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