Product Manager - Gold Loan - Mumbai - Lodha (I-Think Techno Campus) - 2nd Floor - (M4-M6)

Role Purpose
To lead the end-to-end strategy, design, and lifecycle management of the Gold Loan product, ensuring profitable growth, superior customer experience, regulatory compliance, and continuous innovation through data-driven decision-making and digital enablement.
Key Responsibilities

1. Product Strategy & Lifecycle Ownership
   •    Own the end-to-end Gold Loan product lifecycle—ideation, design, launch, and continuous optimization 
   •    Define product roadmap aligned with business goals, market demand, and customer insights
   •    Drive innovation by developing new product variants, features, and value propositions
   •    Lead pan-India product initiatives and ensure consistent rollout across regions 
2. P&L Management & Portfolio Growth
   •    Own product P&L, including revenue growth, cost optimization, and profitability metrics 
   •    Drive portfolio growth (AUM, yield, customer acquisition) through targeted initiatives
   •    Monitor portfolio quality (NPA, delinquency, PSL compliance) and implement corrective strategies
   •    Identify cross-sell and ancillary revenue opportunities (insurance, top-ups, etc.)
3. Pricing, Policy & Risk Framework
   •    Design and manage pricing models, LTV norms, and interest rate strategies 
   •    Develop and implement product policies, SOPs, and risk controls aligned with RBI guidelines
   •    Continuously review and optimize policies to balance risk, compliance, and growth
4. Go-to-Market & Business Enablement
   •    Design and execute go-to-market strategies across branch, digital, and partner channels
   •    Launch campaigns, incentives, and R&R programs to drive business growth 
   •    Work closely with sales teams to improve product penetration and conversion rates
   •    Enable branch productivity through structured sales support and product interventions
5. Digital & Process Transformation
   •    Drive digitization of end-to-end journeys including onboarding, renewal, and closure
   •    Partner with technology teams to enhance LOS/LMS systems and automate workflows 
   •    Improve TAT and customer experience through process simplification and automation
   •    Lead development and implementation of digital tools and platforms (e.g., onboarding apps, CRM integration)
6. MIS, Analytics & Performance Monitoring
   •    Design and manage MIS dashboards, KPI frameworks, and performance metrics
   •    Conduct detailed analytics on business performance, channel productivity, and customer behavior
   •    Identify gaps and drive data-based interventions for revenue and efficiency improvement 
   •    Forecast growth trends, volumes, and market share opportunities
7. Stakeholder & Cross-Functional Management
   •    Collaborate with Sales, Credit, Risk, Operations, Technology, Marketing, and Compliance teams 
   •    Act as a central coordination point for product-related initiatives and issue resolution
   •    Engage with senior leadership on product strategy, performance, and key initiatives
8. Branch Enablement & Capability Building
   •    Provide structured support to branches on product, policy, and system-related queries 
   •    Develop training content and conduct product training sessions for field teams.pdf) 
   •    Drive adoption of new features, processes, and systems across the network
9. Compliance, Audit & Governance
   •    Ensure full compliance with RBI guidelines and internal governance frameworks 
   •    Manage audit observations, regulatory queries, and risk controls
   •    Ensure high audit scores and adherence to policy frameworks
   Qualification
   • Graduate (B.Com / BBA / Engineering preferred)
   • MBA / PGDM (Finance / Marketing) strongly preferred