Description
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 current 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 workfl

📌 Product Manager (Thane)
🏢 Tata Capital
📍 Thane