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