Job Summary

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
- 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
- PL Management Portfolio Growth - Own product PL, 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 RR 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

📌 Product Manager (Thane)
🏢 Tata Capital
📍 Thane