Purpose

Own and drive the end-to-end Trade Advance product for the two-wheeler dealer ecosystem, including product strategy, program management, technology enablement, sales growth, portfolio performance, and profitability.

Key Responsibilities

Product Management
Own the Trade Advance product roadmap, policies, pricing, and dealer propositions.
Design and launch dealer funding, inventory financing, and working capital programs.
Continuously enhance product features, dealer journeys, and operational processes.

Program Management
Develop and manage OEM and dealer financing programs.
Track program utilization, profitability, and portfolio performance.
Coordinate with Credit, Risk, Operations, and Technology teams for successful implementation.

Technology & Digital Enablement
Act as business owner for LOS, LMS, dealer portal, and digital onboarding enhancements.
Drive automation, API integrations, workflow digitization, and STP initiatives.
Prepare business requirements, user stories, and UAT sign-offs for product releases.

Sales Drive & Business Growth
Partner with sales teams to drive dealer acquisition, activation, and limit utilization.
Execute sales campaigns and dealer engagement programs to accelerate portfolio growth.
Track funnel metrics, disbursements, utilization,



and business productivity.
Support regional teams through product training, program communication, and market insights.

Portfolio & Risk Management
Monitor portfolio growth, profitability, utilization, and asset quality.
Recommend policy and program changes based on portfolio performance.
Ensure adherence to risk, compliance, and governance standards.

Analytics & Stakeholder Management
Develop MIS and dashboards to track key business KPIs.
Work closely with Sales, Credit, Risk, Technology, Operations, Finance, and OEM partners.
Present portfolio performance and strategic initiatives to senior management.

Key KPIs
Trade Advance AUM Growth
Disbursements
Active Dealers
Dealer Activation Rate
Limit Utilization %
Revenue & Profitability
OEM Program Penetration
STP %
TAT Reduction
Portfolio Quality & Delinquency

Experience & Qualification
MBA/PGDM preferred.
3–5 years of experience in Dealer Finance, Trade Finance, Vehicle Finance, or Lending Products.
Robust experience in Product Management, Program Management, and Sales Enablement.
Positive understanding of lending technology platforms, dealer ecosystems, and portfolio analytics.

📌 Product Manager Trade Advance Tw Loan Gurugram (India)
🏢 Home Credit India
📍 India