Associate, Product Manager ( SME), Small Medium Enterprises

Experience: 6 to 8 years

Location: Mumbai

Skills: MS-Word, MS PowerPoint, MS Excel, Product Management, Lending, Trade Finance, Digital Implementation, Portfolio Management, Risk Controls, Credit Program Design, SOP Management, Organising Skills, Interpersonal Skills

Business Function
SME Product SME customers with a full suite of commercial banking solutions including liabilities, payments & cash management, trade & supply chain finance, working capital, term lending, and FX. The business is expanding in Alternate Lending / Ecosystem-led partnerships to accelerate digital acquisition and embed lending journeys.

Job Purpose
Own end-to-end product management for SME lending programs across Ecosystem-led, co-lending, anchor-led and alternate lending constructs. Drive product strategy, credit program design, SOPs, digital journey delivery, portfolio governance and regulatory compliance.

Key Accountabilities
Responsible for overall product management & managing Credit program/policies of SME lending, Design & manage SOPs on E2E lending journey with adequate risk controls Overall portfolio management of the Credit programs including monitoring of triggers & caps Management of adherence of Digital lending guidelines & ensuring applicable program compliance Support in digital implementation of the lending journeys

Job Duties & responsibilities
Responsible for devising new credit programs / existing program amendments. Creation of E2E SOP for all lending programs Creation of credit programs for SME lending and commercialisation of the same Work closely all relevant stakeholders to ensure timely go-live of lending programs under the partnerships.



Work with various stakeholders to ensure NPA / ESPORA / ORR / SOP approvals as applicable for the various partnerships Overall manage the portfolio management working with RMG-Credit and CPRAM for portfolio triggers and caps, delinquency management and hygiene it Support in setting up of early warning & other necessary risk controls for Alternate Lending & Co-lending policies Provide portfolio insights partner-wise Work closely with partners for embedded streamlined customer journey, product delivery, close monitoring and governance Collaborate with Product Manager (SFW) to build the digital journeys of these credit programs/partnerships on an on-going basis (i.e. write user stories, modify existing journeys, incorporate partner feedback) Support the coverage team for successful commercialization of partnerships for scale up of asset customers Devise customized training programs for the front line for effective sales & marketing Alternate Lending programs. Build feedback loop with partner/coverage team for improvement.

Core Competencies
The job holder needs to possess the following skills: Job Knowledge: The job holder should be quick learner in the job Organising Skills: The job holder needs to be organised so as to enable him to meet the conflicting deadlines. Proactive: To understand the system implementations and grasp the changes faster. Communication Skills: The job holder needs to have effective verbal as well as written communication skills. Interpersonal Skills: The job holder needs to liaise with various stakeholders (internal and external)

Work Relationship
To work with: Internal: SME Head, Product Head, Product Team, RMG, GTS, Strategy & Planning, DAH2, SG-Tech External: Ecosystem partners

Job: Analytics
Schedule: Regular
Employee Status: Full time

📌 Associate, Product Manager ( SME), Small Medium Enterprises (Mumbai)
🏢 DBS Bank
📍 Mumbai