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Job DescriptionRole 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 new 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 Job DescriptionRole 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 growt
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