Product Manager-Individual Loans (Bengaluru)

Key Responsibilities - Manage Secured and Unsecured Individual Loans products throughout their life cycle, from design and approval to rollout and performance review. - Develop current 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. .