Job Purpose

Own end-to-end product lifecycle and program effectiveness across Current, Refinance, and Used business by balancing growth, profitability, and portfolio quality in alignment with OEM strategy.

Key Responsibilities

1. Program Management & Commercial Structuring

- Drive effective program management (Subvention & Non-Subvention) to achieve disbursement, penetration, and yield targets across New, Refinance, and Used segments
- Manage dealer commercials and program levers, including:

- WIRR (Weighted IRR)

- Processing Fees (PF)

- Standard Commission

- Annual Program Commission

- Subvention Ratio
- Ensure optimal commercial structuring to balance competitiveness vs profitability

2.Product Development & Enhancement

- Launch new financial products/programs aligned with market demand, OEM push, and competitive benchmarking




- Continuously modify existing programs to remain competitive while minimizing credit and portfolio risks
- Incorporate dealer and customer feedback into program design

3.Portfolio Quality & Program Effectiveness

- Conduct regular audits of launched programs to ensure compliance and alignment with intended design
- Perform qualitative analysis of program performance:
- Portfolio quality impact (DPD, NPA trends)

- Customer segment behavior
- Risk-return trade-offs
- Initiate corrective actions to optimize performance

4. Cross-functional & Dealer Alignment

- Work closely with Credit, Risk, Sales, and OEM teams to ensure program success
- Enable dealer network with clear program guidelines and commercial understanding
- Support program rollouts with training and structured communication

Experience Required 7-10 Years

📌 FS-Product Manager (Gurugram)
🏢 Cnh Industrial
📍 Gurugram