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

Job Description

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