Product Lead-Working Capital

2 months ago

Bangalore Urban, India Ujjivan Small Finance Bank Full time

1. ROLE PURPOSE & OBJECTIVE

  • Manage the entire product life cycle for working capital products from planning to execution activities, will be responsible for product profitability
  • Build WC products from existing ideas, and help to develop new ideas based on your industry experience and insights
  • Drive a solution set across development teams (Credit, Operations, technology and Marketing Communications) through market requirements, product contract, and positioning.
  • Work with and help credit counterpart to define product underwriting and release requirements.
  • Organize product trainings for launch, expansion and capacity building
  • Develop and implement a company-wide go-to-market plan, working with all departments including distribution/sales channels to execute.

1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials:

  • Manage the design, features and benefits of products, volume forecasting & market share.
  • To carry out pricing analysis, determine and support distribution channels, design, develop and implement promotional plans for the products.
  • To specify market requirements for fund-based and non-fund-based products by conducting market research supported by on-going visits to markets
  • CAM Preparation for all type of program including surrogate
  • Program level scorecard preparation • Monitoring of loans
  • To analyze potential partner relationships for the product.
  • To ready and execute the competition and market share strategy for the product line on an ongoing and pro-active manner
  • Design Internal and External Campaigns suitable for product

Customer (Both Internal & External)

  • Communicate with all areas of the company, including (but only) distribution/sales, credit, operations, technology, communication and strategy
  • Maintain working relationships with control functions like Audit, Compliance, Risk et al.
  • Plan and conduct regular customer and non-customer visits to gain an insight into customer behavior and product demand.

Internal Process


  • Design and draft SOPs and BRDs to ensure efficient processes and technology advancement
  • Simplification of existing processes
  • Discuss with all stakeholders and fix the process with customer centricity approach
  • Work with and credit counterpart to define product underwriting and release required guidelines and processes

Innovation & Learning

  • Organize product trainings for launch, expansion and capacity building
  • Ensure adherence to training man-days/ mandatory training programs for self
  • Forecast product changes requirement basis customer feedback and take appropriate steps.


Educational Qualifications :

  • MBA/ PGDM or equivalent / CA

Experience :


• 8-12 years of experience in product management of Working Capital products in Large Banks and SFBs

• 5-7 years’ experience in branch/regional level Working Capital Sales or Credit with at least 4-5 year of product management experience

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