Job Purpose : Product Management and Analytics including Regulatory Compliance

Key Accountabilities : Product Management Support

Support Performance Analytics & Client Journey

Regulatory Adherence & Controls

Risk & Control Contribution

Job Duties & responsibilities:

Collaborate with senior team members on developing, implementing, and monitoring product strategies and controls for the Gold Loan portfolio.

Assist in tracking key performance indicators (KPIs) and preparing reports to provide insights for product enhancement and business growth.

Identify and suggest opportunities for process improvement within the Gold Loan client lifecycle to enhance efficiency, customer experience and governance

Assist in ensuring adherence to RBI guidelines (LTV, KYC/AML, auctions, interest rates, disclosures) and internal compliance standards for Gold Loan products.

Work collaboratively with Technology, Compliance, and Risk teams to ensure data integrity, facilitate system enhancements, and support risk mitigation efforts.

Help monitor the implementation of regulatory circulars and assist in managing statutory/regulatory inspections and audit findings.

Prepare materials for briefings on compliance observations and best practices for branch staff.

Required Experience

Basic knowledge of banking regulations

Basic understanding of branch operations and lending

Valuable observation, documentation, and reporting skills.





Product management support, business analytics, or a related field within retail banking.

Education / Preferred Qualifications : Graduate in Commerce/Finance (Postgraduate or professional certifications like CA-Inter/CIA preferred).

Core Competencies

Proficiency in MS Excel.

Ability to work with multiple stakeholders (branch staff, tech, marketing, compliance, etc).

Process Orientation: Basic understanding of end-to-end business processes and a willingness to contribute to continuous improvement

Good communication skills

Technical Competencies

Basic understanding of Gold Loan product mechanics, valuation, and operational flows.

Basic knowledge of regulatory guidelines and compliance requirements

Familiarity with banking technology landscapes and the ability to work effectively with stakeholders for system enhancements and data extraction

Work Relationship

This role will involve extensive interaction with:

Internal: Gold Loan Sales Team, CBG COO Team, Compliance, Risk Management, Audit, Technology, Operations, Legal, Finance, Marketing, and other relevant business units.

External: Regulatory bodies (as required), auditors, and potentially external vendors or consultants.

Location

Regional Office Mumbai

Job: Product Management

Schedule: Regular

Employee Status: Full time

📌 Senior Associate , Gold Loan Product Management and Regulatory Compliance, Consumer Banking Group (Mumbai)
🏢 DBS Bank
📍 Mumbai