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 current credit programs / existing program amendments.
Creation of E2E SOP for all lending programs
Creation of credit programs foe 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 jou