Key Responsibilities
- Manage Secured and Unsecured Individual Loans products throughout their life cycle, from design and approval to rollout and performance review.
- Develop new products and enhance existing product features, pricing, eligibility criteria, processes and customer journeys.
- Support the evaluation and development of potential secured lending propositions.
- Analyse business growth, portfolio quality, souring trends, customer segments and market developments.
- Prepare and maintain Product policies, business requirements, process documents and management presentations.
- Coordinate with Business, Credit and Risk teams on product propositions, underwriting parameters and policy changes.
- Partner with Technology and Operations teams for system enhancements, user acceptance testing and product implementation.
- Develop product dashboards and provide actionable business and portfolio insights to management.
- Prepare product communication, FAQs and training inputs for branches and field teams.
- Gather customer and field feedback, identify recurring pain points and drive product, process or system improvements.
- Ensure adherence to internal governance, applicable regulatory requirements and customer-protection standards.
Educational Qualification:
- An MBA or relevant postgraduate qualification will be preferred
Experience :
- 5-9 Yrs. Relevant experience in product management, retail lending, Microbanking, credit, business or portfolio management.
- Experience working with secured loan products will be an added advantage.
- Strong understanding of the lending life cycle, credit processes, product pricing and portfolio analytics.
