AVP - Product Manager - Affordable Housing Loan (8-12 yrs)

3 weeks ago


Mumbai, Maharashtra, India iimjobs Full time
Key Responsibilities (Please mention all the responsibilities expected from the incumbent to perform):

  • End to End product management for Affordable Home Loans and Prime home loans & Unsecured Business Loan
  • Designing product Policies, Pricing, for Affordable Housing and Prime home loans and Business loans
  • P&L management (NIM, Fee income & COA management) for housing loan and unsecured business loan
  • Oversee business vertical performance adherence in line with organisation budgets hence focussing on growth, cost and income metrics.
  • Liaison with Various stakeholder on building the product positioning across distribution channels and
adherence to market and regulatory requirements.

Overseeing Customer retention strategy -primary focus on rate break schemes, retention offers.

  • Overseeing Location expansion and Infrastructure set up for PAN India
  • Designing and drafting customer acknowledgment letter draft, agreements, collaterals and marketing enablers in line with regulatory requirements.
  • Oversee Product Portfolio Management with focus on sourcing quality.
  • Quarterly Investor presentation reporting for annual report and Management reports
  • Building strategy for Product penetration through increasing distribution from various sourcing channels
  • Product Promotion, marketing and branding for Affordable Home Loans and Prime home loans
  • Managing Builder channel penetration through APF (Approved Project finance) module as well monitoring the distribution performance.
  • Oversee Crosssell and upsell of Bank products to Existing as well New to bank customers.
  • Designed customer journey for driving Digital onboarding of the customer for Housing loan and unsecured Business loans.
  • Developing commercials for Business Correspondent (BC) channel partner Model for sourcing
  • Affordable Housing business and Prime Home loans
  • Oversee Inorganic business penetration through Colending and direct assignment channel.
  • Oversee RBI and NHB compliance reporting pertaining to Housing Loans.
  • Accountability Management of observations raised by Internal & external (Regulator audits)
  • Business hygiene process implementation (E-KYC/ FinFort/Perfios) for enhancing cost efficiency and simplifying onboarding process.
  • Oversee Productivity enhancement strategy the direct selling teams and bank branches for retail assets


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