Job Requirements
Role/ Job Title: Product Lead – JLG
Business: JLG
Function/ Department: JLG
Job Purpose
We are seeking a highly dynamic Business Lead to own and drive end‑to‑end performance across sales channels, collections effectiveness, incentive design, and policy governance. This role will play a critical, high‑impact part in shaping the business trajectory—strategically balancing aggressive growth with disciplined risk management, strengthening portfolio quality, and building scalable, sustainable operating models to enable long‑term expansion
Roles & Responsibilities
Sales Channel Performance
- Drive productivity, funnel conversion, and growth across multiple sales channels (branch, digital, partnerships, referrals)
- Identify gaps and implement initiatives to improve disbursals and activation rates
- Work closely with distribution teams to strengthen channel efficiency
Collections Strategy & Portfolio Health
- Own collections performance across buckets (early to late stage)
- Design and implement strategies to reduce delinquency and improve rollbacks
- Monitor portfolio trends and drive corrective actions
Incentive Design & Governance
- Create and manage sales & collections incentive structures aligned with business goals
- Ensure fairness, transparency, and performance linkage
- Continuously refine incentive models based on productivity and risk outcomes
Policy & Process Management
- Drive credit and operational policy enhancements aligned with risk appetite
- Balance customer experience with risk controls
- Identify process gaps and lead automation/digitization initiatives
Data Analytics & Insights
- Leverage data to track performance, identify trends, and drive decision-making
- Build dashboards and actionable MIS for leadership reviews
- Run experiments/pilots to optimize business outcomes
Stakeholder Management
- Collaborate with Risk, Ops, Product, and Tech teams to drive cross-functional initiatives
- Act as a bridge between business and enabling functions
Managerial & Leadership Responsibilities
- Mentor and coach senior team members to foster a culture of customer centricity, innovation, compliance, and integrity.
- Create an environment focused on automation and digital enablement to meet customer needs holistically
- Attract and retain top-tier talent to support the bank's rapid growth objectives.
- Prior experience in microfinance, JLG, or rural lending ecosystems preferred
- Strong expertise in sales, collections, credit, policy with demonstrated success in field enablement, cross‑functional execution, stakeholder governance, and continuous improvement
Educational Qualification
Graduate/Postgraduate
Experience
6+ years of experience in banking or financial services
