Product Manager

Job Title- Product Manager - Lending AVP Location- Mumbai India Role Description Responsible for managing entire product life cycle from strategy to execution of Term Lending products Will work cross functionally to design product road-maps and discover newer opportunities for growth Key purpose of the role is to create best in class lending products via extensive market research The individual will work closely with the other stakeholders to create frictionless client journey Interact with all levels of management to identify develop and implement initiatives to improve product profitability Maintain and ensure due observance of Internal Control Standards and Group Compliance Policy including the timely implementation of recommendations made by internal external auditors and external regulators Devising profitable pricing strategies process changes marketing requirements website updation fulfilling documentary requirements from Regulatory and legal perspective whilst preparing for a new product launch Regular periodic review of client on boarding process in terms of KYC compliance financial and risk assessment Design and modify balanced scorecards for the sales team to drive required behaviour as per the Banks needs Design and drive campaigns for the Sales team in order to help boost sales and revenues Audit and Compliance Impart regular ongoing training to the Sales team by conducting refresher courses to ensure regulatory compliance Conduct audit of the files operational processes risk assessment processes to ensure the processes followed at ground level are in line with designed product norms Strategically responsible for customer experience - Innovate Conceptualize and Implement Digitization of customer service framework Product development and management Management of ESG programs for PB India incl process reporting and audits Facilitate regular performance review of the Lending team by the Senior Management on monthly basis Facilitate ongoing Pricing Forums for overseeing and monitoring pricing governance structure What well offer you As part of our flexible scheme here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100 reimbursement under childcare assistance benefit gender neutral Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs and above Your key responsibilities Responsible for managing entire product life cycle from strategy to execution of Term Lending products Will work cross functionally to design product road-maps and discover newer opportunities for growth Key purpose of the role is to create best in class lending products via extensive market research The individual will work closely with the other stakeholders to create frictionless client journey Interact with all levels of management to identify develop and implement initiatives to improve product profitability Maintain and ensure due observance of Internal Control Standards and Group Compliance Policy including the timely implementation of recommendations made by internal external auditors and external regulators Devising profitable pricing strategies process changes marketing requirements website updation fulfilling documentary requirements from Regulatory and legal perspective whilst preparing for a new product launch Regular periodic review of client on boarding process in terms of KYC compliance financial and risk assessment Design and modify balanced scorecards for the sales team to drive required behaviour as per the Banks needs Design and drive campaigns for the Sales team in order to help boost sales and revenues Audit and Compliance Impart regular ongoing training to the Sales team by conducting refresher courses to ensure regulatory compliance Conduct audit of the files operational processes risk assessment processes to ensure the processes followed at ground level are in line with designed product norms Strategically responsible for customer experience - Innovate Conceptualize and Implement Digitization of customer service framework Product development and management Management of ESG programs for PB India incl process reporting and audits Facilitate regular performance review of the Lending team by the Senior Management on monthly basis Facilitate ongoing Pricing Forums for overseeing and monitoring pricing governance structure Your skills and experience MBA with 7 years of relevant work experience in banks NBFC Expertise in Product development and Management aimed at optimising credit growth to the MSMEs in line with the Banks and regulatory guidelines Knowledge of the regulatory environment especially pertaining to MSME clients Deep understanding of lending ecosystems industry trends technology development and evolving customer needs Knowledge of the loan booking accounting systems NPA management processes etc Good communication and interpersonal skills as the job requires coordinating with cross-functional teams like Operations Credit Technology Legal and Sales to continuously enable changes in product design workflows policies etc Market research and analysis competitor benchmarking monitoring of trends and spotting opportunities in the market for product enhancement and new product launches Extremely analytical and data driven ability to derive actionable conclusions from large data sets Proactively communicate with stakeholders to keep them up to speed on planning roadmap execution status launch its impact learnings etc - A sharp focus on automating repeatable tasks and reducing operational overheads How well support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs About us and our teams Please visit our company website for further information We strive for a in which we are empowered to excel together every day This includes acting responsibly thinking commercially taking initiative and working collaboratively Together we share and celebrate the successes of our people Together we are Deutsche Bank Group We welcome applications from all people and promote a positive fair and inclusive work environment