Product Lead

3 days ago

Mumbai, India DBS Bank Full time

Job Purpose

We are seeking a highly skilled and experienced Gold Loan Product Lead to join our Assets and Strategic Alliances team. As the Product Lead, you will play a crucial role in driving the growth and success of one of our largest asset portfolios comprising of various gold loan products and manage its P&L. You will be responsible for developing and executing strategies to maximize product profitability, enhance customer experience, and drive innovation. The ideal candidate will have a deep understanding of the gold loan industry, possess strong analytical and leadership skills, and be able to translate market insights into actionable product plans.

Roles & Responsibilities

Product Strategy and Development:

  • Develop a comprehensive product strategy for the gold loan portfolio, including market positioning, target segments, and competitive differentiation.
  • Conduct market research and analysis to identify customer needs, market trends, and opportunities for product enhancements or new product offerings.
  • Define product requirements and work closely with cross-functional teams, such as national distribution, technology, operations, and marketing, to ensure successful product development and launch.
  • Collaborate with stakeholders to prioritize features and functionalities based on customer feedback, market demand, and business objectives.

Product P&L and Lifecycle Management:

  • Define and manage the product roadmap, including the release schedule, feature prioritization, and product milestones.
  • Monitor and analyze product performance metrics, such as revenue, profitability, customer acquisition, and retention, and develop strategies to scale the product profitably and optimize results.
  • Conduct ongoing competitive analysis to stay abreast of industry trends and identify opportunities for product improvements.
  • Work closely with national distribution and marketing teams to develop effective go-to-market strategies, pricing models, and promotional campaigns.
  • Drive the product launch process, including coordinating with cross-functional teams to ensure a successful product introduction.

Cross-Functional Collaboration and Leadership:

  • Collaborate closely with engineering, UX/UI design, and other teams to ensure the timely and high-quality delivery of product features and enhancements.Provide guidance and leadership to a team of product managers, assisting them in setting objectives, evaluating performance, and developing their skills.
  • Foster strong relationships with key stakeholders, such as senior management, national distribution teams, and customer support, to ensure alignment and effective execution of product strategies.
  • Act as the subject matter expert for the gold loan product line, providing insights and guidance to internal teams and external stakeholders.
  • Compliance and Risk Management:
  • Ensure compliance with all relevant regulatory requirements and industry best practices for gold loan products.
  • Assess and manage product-related risks, including credit risk, market risk, and operational risk, and implement appropriate mitigation strategies working closely with key stakeholders from risk management, legal and compliance.
  • Stay updated on regulatory changes and industry developments that may impact gold loan products and make recommendations for necessary adjustments.

Required Experience

  • Proven experience as a Product Manager or Senior Product Manager, specifically within the gold loan industry.
  • Strong understanding of the gold loan market, including customer segments, competitive landscape, and regulatory environment.
  • Exposure to south market preferable

Education / Preferred Qualification

  • Bachelor's degree in business, finance, or a related field.
  • MBA or equivalent advanced degree is preferred.

Core Competencies

  • Excellent analytical and problem-solving skills, with the ability to interpret complex data and draw actionable insights.
  • Demonstrated success in developing and launching successful products, driving revenue growth, and improving customer satisfaction.
  • Exceptional leadership and communication skills, with the ability to collaborate effectively with cross-functional teams and influence stakeholders.

Technical Competencies

  • Strong project management and organizational skills, with the ability to manage multiple priorities and meet deadlines.
  • Knowledge of compliance and risk management practices in the financial services industry.
  • Familiarity with agile development methodologies and product management tools is a plus.

Work Relationship

  • Inter-departmental coordination
  • Teamwork and collaboration

DBS India - Culture & Behaviors

  • Drive performance through Value Based Propositions
  • Build pride and passion to protect, maintain and enhance DBS’ image and reputation
  • Enhance knowledge base, build skill sets & develop competencies
  • Invest in team building & motivation through ideation & innovation
  • Execute at speed while maintaining error free operations
  • Develop a passion for performance and grow the talent pool
  • Maintain the highest standards of honesty and integrity

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