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 Purpose
Own 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 Accountabilities
- Responsible for overall product management & managing Credit program/policies of SME lending,
- Design & manage SOPs on E2E lending journey with adequate risk controls
- Overall portfolio management of the Credit programs including monitoring of triggers & caps
- Management of adherence of Digital lending guidelines & ensuring applicable program compliance
- Support in digital implementation of the lending journeys
Job Duties & responsibilities
- Responsible for devising new credit programs / existing program amendments.
- Creation of E2E SOP for all lending programs
- Creation of credit programs foe SME lending and commercialisation of the same
- Work closely all relevant stakeholders to ensure timely go-live of lending programs under the partnerships.
- Work with various stakeholders to ensure NPA / ESPORA / ORR / SOP approvals as applicable for the various partnerships
- Overall manage the portfolio management working with RMG-Credit and CPRAM for portfolio triggers and caps, delinquency management and hygiene it
- Support in setting up of early warning & other necessary risk controls for Alternate Lending & Co-lending policies
- Provide portfolio insights partner-wise
- Work closely with partners for embedded streamlined customer journey, product delivery, close monitoring and governance
- Collaborate 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 feedback)
- Support the coverage team for successful commercialization of partnerships for scale up of asset customers
- Devise customized training programs for the front line for effective sales & marketing Alternate Lending programs.
Build feedback loop with partner/coverage team for improvement.
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Requirements
- The candidate should have 6-8 years’ minimum overall relevant experience.
- Experience in Product Management, lending spl trade finance and digital is preferred.
- MBA- Finance/Marketing /CA/CFA – preferred from Tier-1 institute
- The candidate should be proficient in MS-Word, PPT and Excel
Core Competencies
The job holder needs to possess the following skills:
- Job Knowledge : The job holder should be fast learner in the job
- Organising Skills: The job holder needs to be organised so as to enable him to meet the conflicting deadlines.
- Proactive: To understand the system implementations and grasp the changes faster.
- Communication Skills: The job holder needs to have effective verbal as well as written communication skills.
- Interpersonal Skills: The job holder needs to liaise with various stake holders (internal and external)
Work Relationship
To work with:
- Internal: SME Head, Product Head, Product Team, RMG, GTS, Strategy & Planning, DAH2, SG-Tech
- External: Ecosystem partners
Location:
Mumbai
Job:
Analytics
Schedule:
Regular
Employee Status:
Full time
