Job Description
Overview
The Product Lead for Personal and Business Loans manages end‑to‑end product development, pricing, portfolio performance, and regulatory compliance, driving sustainable growth and risk‑adjusted returns.
Responsibilities
- Develop and manage the loan product lifecycle, including acquisition, servicing, and portfolio expansion
- Formulate and periodically review underwriting and credit policies, collaborating with risk and analytics teams
- Monitor product yields, spreads, NIM and own product‑level P&L, conducting competitor pricing reviews
- Track portfolio growth, delinquency trends and risk‑adjusted returns, driving initiatives to improve quality and reduce credit losses
- Streamline onboarding and fulfillment processes and ensure audit, compliance and governance standards are met
Eligibility
- Domain expertise in banking/financial services, especially loan products
- Experience in product management for personal or business loans, credit policy and pricing
- Educational background such as MBA, Finance, Economics or related degree
Skills
Product ManagementCredit PolicyPricing StrategyPortfolio ManagementRisk Management
