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 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 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.

Requirements The candidate should have 6-8 years’ minimum overall relevant experience.

Experience in Product Management, lending spl trade finance and digital is preferred.

MBA- Finance/Marketing /CA/CFA – preferred from Tier-1 institute The candidate should be proficient in MS-Word, PPT and Excel

Core Competencies The job holder needs to possess the following skills:

Job Knowledge: The job holder should be rapid 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 stake holders (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

Location

Mumbai

Job: Product Management

Schedule: Regular

Employee Status: Full time

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