Role Purpose
To lead the end-to-end strategy, design, and lifecycle management of the Gold
Loan product, ensuring profitable growth, superior customer experience,
regulatory compliance, and continuous innovation through data-driven
decision-making and digital enablement.
Key Responsibilities
1. Product Strategy & Lifecycle Ownership
• Own the end-to-end Gold Loan product lifecycle—ideation, design, launch,
and continuous optimization
• Define product roadmap aligned with business goals, market demand, and
customer insights
• Drive innovation by developing recent product variants, features, and value
propositions
• Lead pan-India product initiatives and ensure consistent rollout across
regions
2. P&L; Management & Portfolio Growth
• Own product P&L;, including revenue growth, cost optimization, and
profitability metrics
• Drive portfolio growth (AUM, yield, customer acquisition) through targeted
initiatives
• Monitor portfolio quality (NPA, delinquency, PSL compliance) and implement
corrective strategies
• Identify cross-sell and ancillary revenue opportunities (insurance,




top-ups, etc.)
3. Pricing, Policy & Risk Framework
• Design and manage pricing models, LTV norms, and interest rate strategies
• Develop and implement product policies, SOPs, and risk controls aligned
with RBI guidelines
• Continuously review and optimize policies to balance risk, compliance, and
growth
4. Go-to-Market & Business Enablement
• Design and execute go-to-market strategies across branch, digital, and
partner channels
• Launch campaigns, incentives, and R&R; programs to drive business growth
• Work closely with sales teams to improve product penetration and conversion
rates
• Enable branch productivity through structured sales support and product
interventions
5. Digital & Process Transformation
• Drive digitization of end-to-end journeys including onboarding, renewal,
and closure
• Partner with technology teams to enhance LOS/LMS systems and automate
workflows
• Improve TAT and customer exper

📌 Product Manager (Thane)
🏢 Tata Capital
📍 Thane