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Experience: 6-9 Years | Salary: INR Client is one of the best paymaster in the Industry | Opening(s): 1 | Posted Date : 2019-05-07
Hiring For One of the Leading MNC.
Job Description


  • Responsible for portfolio actions across clients which are not actively managed to increase product depth and stickiness and generate fee revenue
  • Create Market research questionnaires and do dip stick survey for
  • Manage portfolio quality across the various cities where Retail Loans have been marketed
  • Identify and expand the portfolio to new cities or clusters based on comprehensive market research
  • Build a customer interaction through meetings, functions & training programs and develop a customer organization
  • Publish reports on the performance of all clusters on a monthly basis


  • Ensuring that all channels are utilized to best efficiency so as to make the customer journey seamless
  • Implementing the assisted to self-service goal down the line so that customers are eventually moved to self service
  • Ensuring best in class TAT and address any queries that may be raised by the customers for availing loans
  • Ensuring that any service complaints are resolved in a timely manner
  • Training of all sales team and support team to treat Customers with respect and providing complete disclosure of terms and conditions
  • Dipstick surveys with customers to understand the product needs of customer and modifying the products accordingly
  • Researching the competitors offering and making necessary changes to the product to be tailor made for customer segment

Internal process

  • Conversion of all form based processing to digital process, with minimal documentation
  • Ensuring technology caters to the mass market segment of customers
  • Ensuring there is sufficient pipeline of forms for processing
  • Timely training to staff so as to ensure product knowledge, change in processes are communicated in a timely manner downwards
  • Handling any disciplinary issues pertaining to the Retail Loans staffs, support HR in conducting inquiry

Learning & Performance

  • Enrolling for courses aimed at increasing the knowledge in retail sales proactively
  • Ensure adherence to training man-days/ mandatory training programs for self
  • Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines
Desired Profile
  • Responsible for managing the end to end life cycle of New to Bank product and Salary Account product for the Bank
  • Design compelling, differentiated and relevant product plans that leverage the brand, marketing programs and commercial assets to positively influence revenue growth
  • Ensuring compliance with all external and internal regulatory norms for the bank
  • Responsible for audit of the product
  • Engage and build relationships with a large eco-system of potential partners (E-Portals, DMAs, OEM’s etc for SENP vertical.). Explore and identify sourcing avenues and distribution channels at national level
  • Identify new products to be rolled out based on macro-economic conditions & competitive landscape
  • Utilize industry, consumer purchasing behaviour, retail finance trend analysis and customer knowledge to seek out new product opportunities.
  • Updating process notes and managing all the relevant circulars for the product in u-connect and relevant directories from time to time
  • Submitting and storing of RBS Tranche 1, 2 and 3 data as and when required
  • Ensuring Controls for the products are in place and documented for audits both internal and external
  • Maximize portfolio performance by identifying and addressing growth opportunities to enhance portfolio benchmarking capabilities
  • Developing new and differential products for target customer segments at different repayment life cycle stages and exploring new price points.
  • Lead category wide initiatives with key stakeholders across functional teams to execute initiatives that are quantifiable and aligned with the strategic objectives the products.
  • Relationship and people management with both internal and external teams.
  • Leading, directing and developing talent to build domain and functional expertise.
  • Ensuring timely check on processes and streamline so as to match with industry standard
  • Writing blogs and help in content creation for bank’s website
  • To keep a track of Channel wise performance
  • Plan training for on-boarded Loan Officers in sync with Recruitment and Sales team
  • Design of Product Profitability matrix and tracking the revenue and expense for the vertical to avoid leakages in the system
  • Designing and managing Rewards
  • Creation of competitive framework for analysis based on geography and segment
  • Coordinate with Regions in collating data of competition
  • Work closely with Market Research team
  • Publishing MIS to all key stakeholders

Reference ID - GH/BFSIJC//06052019//83612/Product Manager-Personal Loan

Industries TypeNBFCs
Role Product Manager-Personal Loan - With Leading NBFCs Industry Client
Skills Product Management, Personal Loan, unsecured Loan
Functional Area Banking
Education MBA/ PGDM or equivalent Qualification preferred.
Location Bangalore
Keywords Product Management, Personal Loan, unsecured Loan
Contact HR
Telephone 01146547700
Reference id GH/BFSIJC//06052019//83612/Product Manager-Personal Loan