Role & responsibilities :

Product Strategy & Definition (Business Loans):

- Define the strategy and roadmap for business loan products, aligning with overall business objectives.
- Identify target segments for business loans, including micro and small enterprises, and develop compelling value propositions.
- Conduct market research, including analysis of competitor business loan offerings and government-backed schemes like Mudra loans, to inform product positioning and strategy.
- Develop and implement pricing strategies for business loan products to optimize sales volume and profitability.
- Create business cases for new business loan product proposals, securing internal approvals.

2. Collaboration with Credit Risk:

- Partner with credit risk teams to define and refine underwriting policies and processes for business loans, balancing risk and market competitiveness, with specific attention to Mudra loan guidelines.
- Integrate credit risk considerations into all stages of business loan product development.
- Contribute to underwriting strategies across the business loan portfolio, including specific sub-segments for Mudra loan beneficiaries.

3. Partnership with Platforms & Technology Teams:

- Work with platform teams to define system requirements for business loan products, ensuring successful setup and integration.
- Drive process improvements and collaborate with technology teams to maintain a business loan product roadmap aligned with corporate objectives.

4. Go-to-Market & Performance Management:





- Develop and deliver go-to-market launch plans for business loan products.
- Monitor and improve the performance of business loan products, including volume, revenue, and profit forecasts.

Gather customer feedback to inform continuous product enhancement.

Preferred candidate profile

Product for Business Loans will manage the complete lifecycle of our business loan products, ensuring profitable growth and market adoption. This role requires a professional with a deep understanding of market dynamics, customer needs, and financial acumen to define product strategy, oversee development, and ensure successful market integration. A key focus will be on government-backed loan schemes, particularly Mudra loans.

The role will collaborate extensively with Credit Risk, Platforms, Marketing, Sales, and Operations teams to deliver cutting-edge and customer-centric business loan solutions.

Qualifications

- Masters degree in business management, finance, or a related field.
- Proven experience in product management within business loans, including strategy definition, pricing, and market launch.
- Strong understanding of credit risk considerations and underwriting policies specific to business loans.
- Demonstrated in-depth knowledge of government-backed loan schemes, with a particular emphasis on Mudra loans.
- Experience collaborating with technology and platform teams for system setup and integration.
- Excellent communication, interpersonal, and influential skills.

Strong analytical and problem-solving abilities

📌 Vice President, Product Management Business Loans (Mumbai)
🏢 DBS Bank
📍 Mumbai