Associate, Product Manager ( SME), Small Medium Enterprises (India)

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 current 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 Location: Mumbai Job: Analytics Schedule: Regular Employee Status: Full time 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 current 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 lendin