AU Small Finance Bank - National Product & Portfolio Head

Financial Responsibilities:

- To devise the Product Profitability by getting the right combination of yield and perceived delinquency

- To monitor the Third Party Product penetration and CASA performance on the Business Banking portfolio

Non Financial Responsibilities:

- To lead a team of Product and Portfolio Managers to plan for the development, marketing and distribution of the product

- To outline goals and identify potential risks, challenges and opportunities

- To monitor and measure the performance of the products after it is launched and to apprise the Business Head of the same

- To get the Product approved by Business Head, Credit, Collections and Compliance, after duly deliberating with them

- To monitor the delinquency at a Pan India, regional and location level and to reorient strategies with Business Head, if required

- To keep abreast with competition on the product developments and portfolio behavior

- To keep an eye on various industries to identify opportunities and threats, early warning signals

- To devise training module for the sales team and monitor its implementation

- To devise incentive programs for the sales teams and monitor their performance

- To organize customer contact programs for existing customers and prospects for better relationship management

- To assist the Business Head to devise the right product program for the segment the Bank wants to operate in

- To liaison extensively with Business, Credit and other business verticals for better synergies

- To monitor the portfolio to ensure that the yield and delinquency levels are maintained as desired

Compliance & Risk Responsibilities :

- To design the product program for the business to sell it, launch new products, after duly assessing and measuring the risks associated with the segment the product caters to.

- To make tailor made products for a particular segment after analyzing it, identify attractive and risky segments