Product Manager, SME Banking

2 weeks ago


Mumbai, India DBS Bank Full time
Job Purpose:The position exists as there is now complete market opportunity that is emerging around Ecosystem/B2S Lending which requires dedicated Product support from Policy/Process/Monitoring and journey standpoint.

Key Accountabilities:Responsible for overall product management & managing Credit program/policies of Alternate Lending programs (Ecosystem led partnerships) & Big-to-small, related programs (SCF, Anchor led)Design & manage SOPs on E2E lending journey with adequate risk controlsOverall portfolio management of the Credit programs including monitoring of triggers & capsManagement of adherence of Digital lending guidelines & ensuring applicable program complianceSupport in digital implementation of the lending journeys

Job Duties & responsibilities:Responsible for devising new credit programs / existing program amendmentsCreation of E2E SOP for Alternate lending programs for various used cases i.e. Ecosystem / Co-lending/ B2SWork closely with Ecosystem team and other relevant stakeholders to ensure timely go-live of lending programs under the partnershipsWork with various stakeholders to ensure NPA / ESPORA / ORR / SOP approvals as applicable for the various partnershipsOverall manage the portfolio management working with RMG-Credit and CPRAM for portfolio triggers and caps, delinquency management and hygiene itSupport in setting up of early warning & other necessary risk controls for Alternate Lending & Co-lending policiesProvide portfolio insights partner-wiseWork closely with partners for embedded streamlined customer journey, product delivery, close monitoring and governanceCollaborate with Product Manager (SFW) to build the digital journeys of these credit programs/partnerships on an on-going basis (i.e. write user stories, modify existing journeys, incorporate partner feedback)Support the coverage team for successful commercialization of partnerships for scale up of asset customersDevise customized training programs for the front line for effective sales & marketing Alternate Lending programsBuild feedback loop with partner/coverage team for improvement

Requirements:Good understanding of the process through preferably prior experience of 4-6 years in Secured Loans(SME ,Working Capital, ODs, Term Loan, LAP)Strong experience in credit program management, lending journeys, and digital transformations.Proven track record of partner collaboration and ensuring adherence to compliance standards.Ability to devise customized training programs and lead teams to successful outcomes.

DBS India - Culture & Behaviors:DBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviors are:Demonstrate Business Performance through PRIDE 2.0 Value Based PropositionsEnsure Customer Focus by Delighting Customers & Reduce ComplaintsBuild Pride and Passion to Protect, Maintain and Enhance DBS’ ReputationEnhance Self Knowledge, Skills and develop Competencies aimed at continuous improvementMaintain the Highest Standards of Honesty and Integrity.



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