Job description - Product, Policy & Process Lead - Small Business enterprises and Business Loans
| Department | Small Business enterprises and Business Loans - SBE & BL |
| Location | Mumbai, BKC |
| Number of Positions | 1 |
| Position Grade | M7/M8 |
- Develop and manage the suite of Business Loan & Working Capital products.
- Define product positioning, pricing strategies, features, and value propositions.
- Conduct market and competitor analysis to identify product enhancements and new opportunities.
- Drive product lifecycle management-from ideation to launch and continuous improvement.
- Periodically review credit policies, underwriting standards, and eligibility criteria.
- Establish guidelines for: Risk assessment frameworks, Financial analysis norms ,Industry/segment exposure limits etc.
- Collaborate with Risk/Credit teams to balance portfolio growth vs. asset quality (NPA control).
- Monitor portfolio performance and revise policies based on delinquencies, early warning signals, and market conditions.
- Map and streamline end-to-end loan lifecycle processes.
- Drive process standardization, automation, and digitization for faster turnaround time (TAT).
- Work closely with technology teams to build LOS (Loan Origination Systems) and workflow tools.
- Implement best practices for customer onboarding, documentation, and verification.
- Identify bottlenecks and continuously improve operational efficiency.
- Act as a bridge between business, risk, and operations to ensure alignment.
- Design customer-centric loan journeys and Process with minimal friction
- Manage Audit and Compliance.
- Growth in business loan and SBE portfolio (volume & value)
- Improvement in portfolio quality (lower NPAs/delinquency)
- Reduction in loan processing TAT
- Product profitability (ROA/ROE targets)
- Simplification of processes and automation.
- Compliance and audit metrics.
- MBA/PGDM in Finance, Banking, or related field (preferred)
8-15+ years of experience in:
- Experience in Business loans / MSME/SME lending
- Product management or credit policy roles
- Strong understanding of credit underwriting, financial analysis, and risk frameworks
- Experience in process re-engineering and digital transformation is an advantage
