Role purpose:
Own the day-to-day management, enhancement, and growth of the retail savings account portfolio, working under the Product Head to execute strategy across metro, urban, semi-urban, and rural branches. The role covers product design, digital journeys, analytics, frontline enablement, and compliance to drive sustainable balance growth, account quality, regulatory compliance, and customer experience across metro, urban, semi-urban, and rural branches.
Key responsibilities
Product development and lifecycle management
- Execute the savings account product roadmap defined by the Product Head, including new variants and enhancements to existing propositions.
- Conduct competition benchmarking and customer research to refine features, pricing, and packaging for different segments and branch archetypes.
- Draft and maintain product notes, BRDs, PRDs, and internal policy documents for all savings account offerings.
- Own product-level business cases, pricing assumptions, and ROI tracking for current variants and major enhancements.
- Periodically review fees, interest constructs,



and feature economics to balance competitiveness with portfolio profitability.

Digital journeys and onboarding
- Work with technology and design teams to build and continuously improve digital and phygital onboarding journeys (branch, digibank, video-KYC, e-KYC), targeting best-in-class TAT and drop-off reduction.
- Define and test enhancements to in-app and online savings account experiences (account opening, service requests, cross-sell surfaces, activation nudges).
- Collaborate with data and CX teams to A/B test journey changes and roll out successful variants across channels.
- Drive automation and STP initiatives in onboarding and servicing to reduce manual intervention, cost-to-serve, and error rates.
- Partner with Operations and Tech to progressively reduce dependency on branch-led processes for eligible savings journeys

Sales enablement and channel support
- Drive targeted acquis

📌 Senior Associate, Product Manager – Savings Accounts, Consumer Banking Group (Mumbai)
🏢 DBS Bank
📍 Mumbai