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
- 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.)
- 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
- 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




- 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 experience through process simplification and automation
- Lead development and implementation of digital tools and platforms (e.g., onboarding apps, CRM integration)
- MIS, Analytics &
- Performance Monitoring
- Design and manage MIS dashboards, KPI frameworks, and performance metrics
- Conduct detailed analytics on business performance, channel productivity, and customer behavior
- Identify gaps and drive data-based interventions for revenue and efficiency improvement
- Forecast growth trends, volumes, and market share opportunities
- Stakeholder &
- Cross-Functional Management
- Collaborate with Sales, Credit, Risk, Operations, Technology, Marketing, and Compliance teams
- Act as a central coordination point for product-related initiatives and issue resolution
- Engage with senior leadership on product strategy, performance, and key initiatives

8.

Branch

Enablement &
- Capability Building
- Provide structured support to branches on product, policy, and system-related queries
- Develop training content and conduct product training sessions for field teams.pdf)
- Drive adoption of new features, processes, and systems across the network
- Compliance, Audit &
- Governance
- Ensure full compliance with RBI guidelines and internal governance frameworks
- Manage audit observations, regulatory queries, and risk controls
- Ensure high audit scores and adherence to policy frameworks

Qualification

- Graduate (B.Com / BBA / Engineering preferred)
- MBA / PGDM (Finance / Marketing) strongly preferred

📌 Product Manager - Gold Loan - Mumbai - Lodha (I-Think Techno Campus) - 2nd Floor- (Thane)
🏢 Tata Capital
📍 Thane