Job Description

Job 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 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 workflow

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