Role Overview

We are looking for an experienced Product Lead – LAP to manage and drive the LAP product at a Pan India level . The role will be responsible for product strategy, policy, business performance, process improvement, technology initiatives, and cross-functional coordination to drive sustainable business growth.

Key Responsibilitie

- sManage and drive the LAP product strategy at the Pan India leve l
- .Formulate, review, and implement product policies, credit programs, and process guideline s in line with business objectives and regulatory requirements

- .Work closely with Business, Credit, Operations, Risk, Legal, Compliance, Technology, and Finance team s for smooth product execution
- .Monitor business performance, productivity, login, approval, disbursement, rejection, and portfolio trend s
- .Identify business gaps and implement initiatives to improve business growth, productivity, TAT, and overall customer experienc
e
- .Design and implement sales incentive structures, contests, and productivity initiative s
- .Develop and support marketing collaterals, product communication, and sales enablement materia
l
- .Drive process improvement, digitisation, automation, and technology initiative s to improve operational efficiency
- .Manage and coordinate NHB/RBI audit-related activitie
s and ensure timely closure of observations
- .Conduct regular market and competitor analysi s to identify new opportunities and improve product offerings
- .Review product performance and recommend changes in
pricing, product features, eligibility criteria, policies, and processe s
- .Analyse portfolio quality, rejection trends, early delinquencies, and business risk




s in coordination with Credit and Risk teams
- .Prepare and present MIS, dashboards, business reviews, and product performance report s to senior management
- .Lead and manage the

MIS/Product tea m and ensure timely and accurate reporting

- .Travel across India to understand market requirements, support business teams, and drive product initiatives
- .Conduct regular reviews with regional and branch teams to understand challenges and ensure effective implementation of product policies

- .Ensure effective rollout and communication of all product and policy change s across the organisation

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Key Competenci**

- esStrong knowledge of th e LAP / Mortgage / Housing Finance busine s
- s.Experience i n Product Management, Product Strategy, Policy, or Business Analyti c
- s.Robust understanding o f LAP credit programs, processes, and market practic e
- s.Ability to work with multiple stakeholders acros s Business, Credit, Risk, Operations, Technology, and Complian c
- e.Strong analytical and problem-solving skill
- s.Excellent communication and stakeholder management skill
- s.Ability to drive initiatives independently at a Pan India lev e
- l.Strong understanding o f MIS, business analytics, and productivity monitori n

**g.

Experience & Qualificat**

- ion10+ years of overall experie nce in the NBFC, Housing Finance, or Banking sect
- or.Strong experience in LAP / Mortgage / Housing Finance produ c
- ts.Prior experience in Product Management / Product Strategy / Policy / Business Analyt i
- cs.Experience in managing Pan India products and cross-functional stakeholde
- rs.MBA / PGDM in Finance, Marketing, or a related discipline preferr

ed.

📌 Product Team Lead (Mumbai)
🏢 Anand Rathi Global Finance
📍 Mumbai