Job Title: Product Manager - Business Loans SME Location: Bangalore Job Description: - Manage the lifecycle strategy and implement strategies to optimize portfolio performance - End-to-End responsibility for the product strategy, pricing & yield management for Business loans - Transforming the Business loans process with a focus on Digital work flow, simplification and improving customer experience and reduced TAT - Ensure solid partnerships and X-selling opportunities across range of products - Assess relevant customer, competitor and industry insights to help define strategies to improve customer experience and portfolio growth. - Advise and provide insights and recommendations on innovative and strategic product development, product targeting & strategic product development - Conceiving and driving contests for sales incentives, x-sell, products and strategizing digital initiatives - Develop & execute all product related performance metrics (including tracking of portfolio quality) and streamline the data flow concerns if any in all products / programs handled - Understanding of P&L with respect to Asset business, well versed with MIS & Presentation highlighting key trends and suggest actions to be taken - Ensure regular review of credit policy, product, regulatory guidelines and accordingly initiate required changes in policies / processes - Undertakes risk, regulatory and compliance assessments for all new product development and existing product modifications. Ensures compliance and adherence to internal policies & NBFC guidelines in product design. - Prepare budget in coordination with Finance and Business Head basing the requirement. - Review actual against budget in all aspects, profitability, top-line and bottom line and minute analysis of P&L. - Sets up an effective product training mechanism for the sales team and channel partners for effective sales Required Skills: - Excellent strategic, quantitative, analytical, data interpretation and good writing and communication skills - Organized, methodical, proactive planner and an efficient executor - Better understanding of Retail Assets Business Education and experience: - MBA (Marketing and / or Finance) - 8 to 10 years of total experience - Experience in Retail Assets - Product role (preferably Business Loans)