Product Manager - Gold Loan

Job Summary

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

• 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
• PL Management Portfolio Growth - Own product PL, 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)
• 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
• Go-to-Market Business Enablement - Design and execute go-to-market strategies across branch, digital, and partner channels
• Launch campaigns, incentives, and RR 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
• 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 (eg, onboarding apps, CRM integration)
• 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
• 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
• 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
• Drive adoption of new features, processes, and systems across the network
• 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

Qualifications

• Graduate (B.Com / BBA / Engineering preferred)
• MBA / PGDM (Finance / Marketing) strongly preferred

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.