Job Description
Overview
The Product Lead – Personal Loans / Business Loans owns end‑to‑end product management, including development, pricing and portfolio performance. The role drives sustainable growth, ensures risk‑adjusted returns and compliance with regulatory standards.
Responsibilities
- Develop and manage the loan product lifecycle, define propositions, customer segments and growth strategies.
- Formulate and regularly review underwriting and credit policies, monitoring portfolio performance and implementing scorecards.
- Own product‑level P&L, monitor yields, spreads and conduct pricing and competitor benchmarking.
- Track portfolio growth, delinquency trends and initiate measures to improve quality and reduce credit losses.
- Coordinate process transformation, compliance audits and stakeholder engagement across Risk, Operations, Technology and Sales teams.
Eligibility
- Experience in banking or financial services product management, especially personal or business loans.
- Proven track record in credit policy formulation, pricing strategy and portfolio profitability.
- Educational background such as MBA, PGDM or degree in Finance, Economics or related field.
Skills
Product ManagementCredit PolicyPricing StrategyPortfolio ManagementStakeholder Management
