Job Description
FS-Product Specialist
Requisition ID: 5064
Job Location: Gurgaon - India
Category for Job Posting: Financial Services
Job Type for Job Posting: Full Time
Working Mode for Job Posting: Fully On-Site
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About Us
Innovation. Sustainability. Productivity. This is how we are Breaking New Ground in our mission to sustainably advance the noble work of farmers and builders everywhere. With a growing global population and increased demands on resources, our products are instrumental to feeding and sheltering the world.
From developing products that run on alternative power to productivity-enhancing precision tech, we are delivering solutions that benefit people – and they are possible thanks to people like you. If the opportunity to build your skills as part of a collaborative, global team excites you, you’re in the right place.
Grow a Career. Build a Future!
Be part of this company at the forefront of agriculture and construction, that passionately innovates to drive customer efficiency and success. And we know innovation can’t happen without collaboration. So, everything we do at CNH Industrial is about reaching new heights as one team, always delivering for the good of our customers.
Job Purpose
Own end-to-end product lifecycle and program effectiveness across New, Refinance, and Used business by balancing growth, profitability, and portfolio quality in alignment with OEM strategy.
Key Responsibilities
Program Management & Commercial Structuring
Drive effective program management (Subvention & Non-Subvention) to achieve disbursement, penetration, and yield targets across New, Refinance, and Used segments
Manage dealer commercials and program levers , including:
WIRR (Weighted IRR)
Processing Fees (PF)
Standard Commission
Annual Program Commission
Subvention Ratio
Ensure optimal commercial structuring to balance competitiveness vs profitability
Product Development & Enhancement
Launch new financial products/programs aligned with market demand, OEM push, and competitive benchmarking
Continuously modify existing programs to remain competitive while minimizing credit and portfolio risks
Incorporate dealer and customer feedback into program design
Portfolio Quality & Program Effectiveness
Conduct regular audits of launched programs to ensure compliance and alignment with intended design
Perform qualitative analysis of program performance :
Portfolio quality impact (DPD, NPA trends)
Customer segment behavior
Risk-return trade-offs
Initiate corrective actions to optimize performance
4. Cross-functional & Dealer Alignment
Work closely with Credit, Risk, Sales, and OEM teams to ensure program success
Enable dealer network with clear program guidelines and commercial understanding
Support program rollouts with training and structured communication
Experience Required
7-10 Years
Preferred Qualifications
Graduation
What We Offer
We offer dynamic career opportunities across an international landscape. As an equal opportunity employer, we are committed to delivering value for all our employees and fostering a culture of respect.
At CNH, we understand that the best solutions come from the diverse experiences and skills of our people. Here, you will be empowered to grow your career, to follow your passion, and help build a better future. To support our employees, we offer regional comprehensive benefits, including:
Flexible work arrangements
Savings & Retirement benefits
Tuition reimbursement
Parental leave
Adoption assistance
Fertility & Family building support
Employee Assistance Programs
Charitable contribution matching and Volunteer Time Off
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