Senior Manager - Product - BFS

Position Summary :

Role: Product

- Launch new products. Create product BRD and conduct UAT testing

- This position is responsible for innovating, developing and executing unique differentiating propositions for the business in the digital world.

- Responsible for designing innovative products for large customer pools sourced from business partners.

- Creates product proposition and enables product structuring through technology. Gets all product usage scenarios covered through technology build

- Responsible for creating the Product Policy Guideline (PPG) of NSB with distinctive policies for Payments, Unsecured and Secured offering

- Work with partners and continuously add differentiating propositions

Duties and Responsibilities :

- Product Proposition Understanding and Innovation :

Understanding of fee based products like insurance and building fee based model

Identify and strive for new income opportunities for business (like fee based distribution products)

Design of Experiments for testing and launching new products

Competitive intelligence and customer expectations research to launch a market and customer acceptable product

Responsible for creating & building a unique digital ecosystem based product program for the business

Responsible for innovating and executing key differentiating product propositions

- Pricing :

Identifying opportunities for revenue generation or improve profitability

Responsible for maintaining pricing mix

Responsible for providing updates on competition & changes in their proposition

Engage in analysis relating to profitability, delinquency, and viability of all Loan products to support decision making

- Customer Engagement :

Responsible for monitoring and tracking various digital campaign performances

Leverages his / her strong understanding and experience in product management to drive innovations in customer acquisition

- Cross-team liasoning :

Extensive engagement with stakeholders - Sales, Underwriting, Operations, Analytics, Technology and Risk

Working with cross functional teams to execute new business initiatives

Responsible for ensuring the product & processes conform to regulatory norms for NBFC

Ensure product is compliant with internal compliance and audit norms

- Responsible for identifying and continuously monitoring any inherent operational risk

- Experience and competencies :

- Professional Experience :

- Post graduate from a leading institute relevant product / risk / underwriting experience

- Knowledge of Unsecured and Secured lending products like Personal Loans and Mortgages along with Value added distribution products

- Should have understanding of online customer acquisition models.

- Experience of having worked on new product innovations / propositions in the digital world.

- Should be professionally qualified.

- Ability to work with large data sets with good computing skills

- Personal Attributes :

- Fast and Agile

- Can maintain high energy for extended periods of time. Moves fast when required.

- Ability to engage and listen to external partners

- Qualification : MBA ( Premium Institutes ) / C.A

- For More Details Connect me on 7028030245

Tanmay