Product manager, sme banking

1 week ago

Mumbai, India DBS Bank Full time
Job Purpose:
The position exists as there is now complete market opportunity that is emerging around Ecosystem/B2 S 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 E2 E lending journey with adequate risk controls
Overall portfolio management of the Credit programs including monitoring of triggers & caps
Management of adherence of Digital lending guidelines & ensuring applicable program compliance
Support in digital implementation of the lending journeys
Job Duties & responsibilities:
Responsible for devising new credit programs / existing program amendments
Creation of E2 E SOP for Alternate lending programs for various used cases i.e. Ecosystem / Co-lending/ B2 S
Work closely with Ecosystem team and other relevant stakeholders to ensure timely go-live of lending programs under the partnerships
Work with various stakeholders to ensure NPA / ESPORA / ORR / SOP approvals as applicable for the various partnerships
Overall manage the portfolio management working with RMG-Credit and CPRAM for portfolio triggers and caps, delinquency management and hygiene it
Support in setting up of early warning & other necessary risk controls for Alternate Lending & Co-lending policies
Provide portfolio insights partner-wise
Work closely with partners for embedded streamlined customer journey, product delivery, close monitoring and governance
Collaborate 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 customers
Devise customized training programs for the front line for effective sales & marketing Alternate Lending programs
Build 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 Propositions
Ensure Customer Focus by Delighting Customers & Reduce Complaints
Build Pride and Passion to Protect, Maintain and Enhance DBS’ Reputation
Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement
Maintain the Highest Standards of Honesty and Integrity.

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