Description
Job Description: Product Manager, Car Loans

Business Unit: Car Loans
Location: Goregaon, Infinity IT Park
Reports To: Sanjay Kasar – Vice President, Product (Traditional, KMPL)
Skip‑Level: Suraj Rajappan – Whole Time Director
Role Level: Deputy Manager / Manager

Role Purpose

The Product Manager – Car Loans will be responsible for driving KMPL’s strategic growth in the Car Loans business by owning the product vision, portfolio performance, customer experience, and digital transformation agenda. This role will work closely with OEMs, Sales, Policy, Risk, Credit, BSG & IT, BIU, and Operations Teams to deliver differentiated propositions, improve process efficiency, and build a scalable and profitable product line consistent with KMPL’s long-term goals.

Key Responsibilities

1. Product Strategy & Portfolio Ownership
- Define and drive the end-to-end product strategy for Car Loans at KMPL.
- Develop a robust multi-year roadmap aligned to business, digital, and customer priorities.
- Identify growth segments, new customer value propositions,



and untapped market opportunities through data analysis and market intelligence.
- Ensure alignment with KMPL’s asset growth priorities and governance frameworks.

2. Product Development & Innovation
- Lead conceptualization and launch of recent products, features, and digital experiences across the Car Loans lifecycle—sourcing, onboarding, underwriting, disbursement, and servicing.
- Partner with the Technology and Digital teams to enable straight‑through processing, instant decisioning, and API-led integrations with OEMs, dealers, and fintech partners.
- Drive enhancements on KMPL’s internal LOS/LMS platforms to improve TAT, productivity, and compliance.

3. Business & Financial Management
- Own the Car Loans Top-line numbers, including AUM growth, yields, cost optimization, and risk-adjusted returns.
- Work on pricing and fee strategies based on market conditions, risk appetite, and portfolio performance.
- Monitor KPI

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