Business Function
SME Product SME customers with a full suite of commercial banking solutions including liabilities, payments & cash management, trade & supply chain finance, working capital, term lending, and FX. The business is expanding in Alternate Lending / Ecosystem-led partnerships to accelerate digital acquisition and embed lending journeys.
Job Purpos
eOwn end-to-end product management for SME lending programs across Ecosystem-led, co-lending, anchor-led and alternate lending constructs. Drive product strategy, credit program design, SOPs, digital journey delivery, portfolio governance and regulatory compliance
.Key Accountabilitie
- sResponsible for overall product management & managing Credit program/policies of SME lending
- ,Design & manage SOPs on E2E lending journey with adequate risk control
- sOverall portfolio management of the Credit programs including monitoring of triggers & cap
- sManagement of adherence of Digital lending guidelines & ensuring applicable program complianc
- eSupport in digital implementation of the lending journey
s
Job Duties & responsibiliti
- esResponsible for devising new credit programs / existing program amendment
- s.Creation of E2E SOP for all lending progra
- msCreation of credit programs foe SME lending and commercialisation of the sa
- meWork closely all relevant stakeholders to ensure timely go-live of lending programs under the partnership
- s.Work with various stakeholders to ensure NPA / ESPORA / ORR / SOP approvals as applicable for the various partnershi
- psOverall manage the portfolio management working with RMG-Credit and CPRAM for portfolio triggers and caps, delinquency management and hygiene
- itSupport in setting up of early warning & other necessary risk controls for Alternate Lending & Co-lending polici
- esProvide portfolio insights partner-wi
- seWork closely with partners for embedded streamlined customer journey, product delivery, close monitoring and governan
- ceCollaborate with Product Manager (SFW) to build the digital journeys of these credit programs/partnerships on an on-going basis (i.e. write user stories, modify existing journeys, incorporate partner feedbac
- k)Support the coverage team for successful commercialization of partnerships for scale up of asset custome
- rsDevise customized training programs for the front line for effective sales & marketing Alternate Lending program
- s.Build feedback loop with partner/coverage team for improvemen
t.
Requiremen
- ts The candidate should have 6-8 years minimum overall relevant experien
- ce.Experience in Product Management, lending spl trade finance and digital is preferr
- ed.MBA- Finance/Marketing /CA/CFA – preferred from Tier-1 instit
- uteThe candidate should be proficient in MS-Word, PPT and Ex
cel
Core Competen
ciesThe job holder needs to possess the following ski
- lls:Job Knowledge: The job holder should be fast learner in the
- jobOrganising Skills: The job holder needs to be organised so as to enable him to meet the conflicting deadli
- nes.Proactive: To understand the system implementations and grasp the changes fas
- ter.Communication Skills: The job holder needs to have effective verbal as well as written communication ski
- lls.Interpersonal Skills: The job holder needs to liaise with various stake holders (internal and exter
nal)
Work Relatio
nshipTo work
- with:Internal: SME Head, Product Head, Product Team, RMG, GTS, Strategy & Planning, DAH2, SG
- -TechExternal: Ecosystem par
tners
