Job Title: Product Manager - Business Loans / Small Business LoansLocation: BangaloreJob Description:- Manage the lifecycle strategy and implement strategies to optimize portfolio performance- End-to-End responsibility for the product strategy, pricing & yield management for Businessloans- Transforming the Business loans process with a focus on Digital work flow, simplification andimproving customer experience and reduced TAT- Ensure solid partnerships and X-selling opportunities across range of products- Assess relevant customer, competitor and industry insights to help define strategies to improvecustomer experience and portfolio growth.- Advise and provide insights and recommendations on innovative and strategic productdevelopment, product targeting & strategic product development- Conceiving and driving contests for sales incentives, x-sell, products and strategizing digitalinitiatives- Develop & execute all product related performance metrics (including tracking of portfolioquality) and streamline the data flow concerns if any in all products / programs handled- Understanding of P&L with respect to Asset business, well versed with MIS & Presentationhighlighting key trends and suggest actions to be taken- Ensure regular review of credit policy, product, regulatory guidelines and accordingly initiaterequired changes in policies / processes- Undertakes risk, regulatory and compliance assessments for all new product development andexisting product modifications. Ensures compliance and adherence to internal policies & NBFCguidelines 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 minuteanalysis of P&L.- Sets up an effective product training mechanism for the sales team and channel partners foreffective salesRequired Skills:- Excellent strategic, quantitative, analytical, data interpretation and good writing andcommunication skills- Organized, methodical, proactive planner and an efficient executor
