Bharat Banking:Bharat Enterprises - Channel Management

VP

The increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or Bharat markets.

To better capitalize on the growth runway and open the world of possibilities for the Bharat customer, the bank has set up a separate Bharat Bank vertical. It is an amalgamation of products and geography, handling certain core products across the country and all the products in the RUSU branches.

The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer.

The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring

SCF Product team owns SCF product and is responsible for onboarding of schemes and driving book generation through the sales channel. The role is specifically for Lead in SCF Product & Corporate Sales team.

• Onbaording & Manging of merchant/ vendor/ dealer finance and other digital schemes
• Accountable for key product metrics viz. TAT, EWS, DPDs.
• Corporate sales for onboarding anchor
• Maintaining the quality of the portfolio
• Manage all aspects related to product success viz. manpower, pricing, skill set, journeys etc.
• Product strategy including competition benchmarking
• Managing the Product profitability
• Resolve operational, audit and compliance issues
• Designing of campaigns/ drives to drive growth.

Optimal qualification for success on the job is:

CA or MBA from a recognized institute

Some prior experience in product management

For successful execution of the job, the candidate should possess the following:

Sound understanding of digital space, managing tech products etc

Ability to manage multiple stakeholders

Basic understanding of Corporate client space as well as credit space

Good knowledge of excel, basic data analytics etc

Basic relationship management skill