Head - Products - Loans - Unsecured

Job Title: Product Head - Loan

Location: Surat Experience: 15+ years

Key Responsibilities:

Product Strategy & Development:

- Define and execute the loan product strategy, including product launch, process management, and policy formulation.

- Identify market trends, customer needs, and competitive landscape to build a robust product roadmap.

Business Development & Partnerships:

- Establish strategic partnerships with third-party providers and new lenders to expand loan offerings and enhance market reach.

- Collaborate with sales and distribution teams to create effective go-to-market strategies and drive product adoption.

Operational Excellence:

- Implement technology solutions and digital transformation initiatives to streamline processes, improve service levels, and enhance customer experience.

- Optimize productivity, reduce costs, and ensure profitability through process innovation and automation.

Financial & Performance Management:

- Drive profitability metrics while maintaining budgetary discipline, including Cost to Income and Operating Expenses.

- Prepare and present budgets, business plans, and financial projections to senior management.

Risk & Compliance:

- Ensure adherence to regulatory guidelines and internal policies for all loan products.

- Work closely with the Credit and Risk teams to recommend credit policy changes based on market scenarios and repayment trends.

Team Leadership:

- Lead a high-performing product team, providing guidance, mentorship, and fostering a culture of innovation and accountability.

Key Requirements:

- 15+ years of experience in loan product management, with at least 5 years in a leadership role.

- Demonstrated expertise in lending products and regulatory compliance.

- Proven experience in a reputed bank, NBFC, DSAor fintech company, preferably with a strong market presence.

- Strategic mindset with the ability to identify market opportunities and drive business growth.

- Excellent communication, stakeholder management, and leadership skills.

- Proficiency in digital lending platforms, financial technologies, and data-driven decision-making.

Team Leadership:

- Lead a high-performing product team, providing guidance, mentorship, and fostering a culture of innovation and accountability.