PRODUCT LEAD - UNSECURED LENDING

Job Description :

Manage the lifecycle strategy and implement strategies to optimize portfolio performanceEnd-to-End responsibility for the product strategy, pricing & yield management for Personal Loan/Cross Sell.Transforming the Personal Loan / Cross Sell process with a focus on Digital work flow, simplification and improving customer experience and reduced TAT.Ensure solid partnerships and cross -selling opportunities across range of products.Assess relevant customer, competitor and industry insights to help define strategies to improve customer experience and portfolio growth.Advise and provide insights and recommendations on innovative and strategic product development, product targeting & strategic product development.Conceiving and driving contests for sales incentives, Cross-sell, products and strategizing digital initiatives.Develop & execute all product related performance metrics (including tracking of portfolio quality) and streamline the data flow concerns if any in all products / programs handled.Understanding of Profit & Loss with respect to Asset business, well versed with MIS & Presentation highlighting key trends and suggest actions to be taken.Ensure regular review of credit policy, product, regulatory guidelines and accordingly initiate required changes in policies / processes.Undertakes risk, regulatory and compliance assessments for all new product development and existing product modifications. Ensures compliance and adherence to internal policies & NBFC guidelines in product design.Prepare budget in coordination with Finance and Business Head basing the requirement.Review actual against budget in all aspects, profitability, top-line and bottom line and minute analysis of Profit & Loss.Sets up an effective product training mechanism for the sales team and channel partners for effective sales