Associate, Product Manager ( SME), Small Medium Enterprises

Business Function

SME Product SME customers with a full suite of commercial banking solutions including liabilities, payments & cash management, trade & supply chain finance, working capital, term lending, and FX. The business is expanding in Alternate Lending / Ecosystem-led partnerships to accelerate digital acquisition and embed lending journeys.

Job Purpose

Own end-to-end product management for SME lending programs across Ecosystem-led, co-lending, anchor-led and alternate lending constructs. Drive product strategy, credit program design, SOPs, digital journey delivery, portfolio governance and regulatory compliance.

Key Accountabilities

• Responsible for overall product management & managing Credit program/policies of SME lending,
• Design & manage SOPs on E2E 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 E2E SOP for all lending programs
• Creation of credit programs foe SME lending and commercialisation of the same
• Work closely all 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 

• The candidate should have 6-8 years’ minimum overall relevant experience.
• Experience in Product Management, lending spl trade finance and digital is preferred.
• MBA- Finance/Marketing /CA/CFA – preferred from Tier-1 institute
• The candidate should be proficient in MS-Word, PPT and Excel

 Core Competencies

The job holder needs to possess the following skills:

• Job Knowledge: The job holder should be fast learner in the job
• Organising Skills: The job holder needs to be organised so as to enable him to meet the conflicting deadlines.
• Proactive: To understand the system implementations and grasp the changes faster.
• Communication Skills: The job holder needs to have effective verbal as well as written communication skills.
• Interpersonal Skills: The job holder needs to liaise with various stake holders (internal and external)

Work Relationship

To work with:

• Internal: SME Head, Product Head, Product Team, RMG, GTS, Strategy & Planning, DAH2, SG-Tech
• External: Ecosystem partners

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