Product Manager - Gold Loan - Mumbai - Lodha (I-Think Techno Campus) - 2nd

Job Description: Role Purpose To lead the end-to-end strategy, design, and lifecycle management of the Gold Loan product, ensuring profitable growth, superior customer experience, regulatory compliance, and continuous innovation through data-driven decision-making and digital enablement. Key Responsibilities 1. Product Strategy & Lifecycle Ownership - Own the end-to-end Gold Loan product lifecycle-ideation, design, launch, and continuous optimization - Define product roadmap aligned with business goals, market demand, and customer insights - Drive innovation by developing new product variants, features, and value propositions - Lead pan-India product initiatives and ensure consistent rollout across regions 2. P&L; Management & Portfolio Growth - Own product P&L;, including revenue growth, cost optimization, and profitability metrics - Drive portfolio growth (AUM, yield, customer acquisition) through targeted initiatives - Monitor portfolio quality (NPA, delinquency, PSL compliance) and implement corrective strategies - Identify cross-sell and ancillary revenue opportunities (insurance, top-ups, etc.) 3. Pricing, Policy & Risk Framework - Design and manage pricing models, LTV norms, and interest rate strategies - Develop and implement product policies, SOPs, and risk controls aligned with RBI guidelines - Continuously review and optimize policies to balance risk, compliance, and growth 4. Go-to-Market & Business Enablement - Design and execute go-to-market strategies across branch, digital, and partner channels - Launch campaigns, incentives, and R&R; programs to drive business growth - Work closely with sales teams to improve product penetration and conversion rates - Enable branch productivity through structured sales support and product interventions 5. Digital & Process Transformation - Drive digitization of end-to-end journeys including onboarding, renewal, and closure - Partner with technology teams to enhance LOS/LMS systems and automate workflows - Improve TAT and customer experience through process simplification and automation - Lead development and implementation of digital tools and platforms (e.g., onboarding apps, CRM integration) 6. MIS, Analytics & Performance Monitoring - Design and manage MIS dashboards, KPI frameworks, and performance metrics - Conduct detailed analytics on business performance, channel productivity, and customer behavior - Identify gaps and drive data-based interventions for revenue and efficiency improvement - Forecast growth trends, volumes, and market share opportunities 7. Stakeholder & Cross-Functional Management - Collaborate with Sales, Credit, Risk, Operations, Technology, Marketing, and Compliance teams - Act as a central coordination point for product-related initiatives and issue resolution - Engage with senior leadership on product strategy, performance, and key initiatives 8. Branch Enablement & Capability Building - Provide structured support to branches on product, policy, and system-related queries - Develop training content and conduct product training sessions for field teams.pdf) - Drive adoption of recent features, processes, and systems across the network 9. Compliance, Audit & Governance - Ensure full compliance with RBI guidelines and internal governance frameworks - Manage audit observations, regulatory queries, and risk controls - Ensure high audit scores and adherence to policy frameworks Qualification - Graduate (B.Com / BBA / Engineering preferred) - MBA / PGDM (Finance / Marketing) strongly preferred .