Job Profile –
- Product Lead, Personal Loans
- Product Manager / Specialist, Business Loans

Role Purpose
The Product Lead– Personal Loans / Business Loans is responsible for the end-to-end management of the PL / BL business, including product / program development, policy formulation, pricing strategy, portfolio management, process governance, profitability (P&L;) ownership, and audit/regulatory compliance. The role focuses on driving sustainable portfolio growth while optimizing risk-adjusted returns, customer experience, and operational efficiency.

Key Responsibilities
Product & Business Management
- Develop and manage the Loan product lifecycle, including acquisition, servicing, and portfolio expansion.
- Define product propositions, customer segments, sourcing channels, and growth strategies.
- Drive business growth while maintaining portfolio quality and profitability targets.

Credit Policy Management
- Formulate and periodically review underwriting and credit policies for PL / BL
- Monitor portfolio performance and recommend policy changes based on risk trends,



market dynamics, and regulatory requirements.
- Collaborate with Risk, Analytics, and Business teams to implement scorecards, cut-offs, and eligibility criteria.

Pricing & Profitability
- Monitor product yields, spreads, net interest margins (NIM), and return on assets (ROA).
- Own product-level P&L; and profitability metrics.
- Conduct competitor benchmarking and pricing reviews to maintain market competitiveness.

Portfolio Management
- Track portfolio growth, delinquency trends, vintage performance, and risk-adjusted returns.
- Drive initiatives to improve portfolio quality, reduce credit losses, and optimize customer lifetime value.
- Analyze customer behavior and recommend cross-sell, retention, and portfolio enhancement strategies.

Process Transformation
- Streamline customer onboarding and loan fulfillment processes.
- Coordinate with Operations, Technology, and Distribution teams for process

📌 Product Lead (Mumbai)
🏢 Yes Bank
📍 Mumbai