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 implementation and enhancements.

Audit, Compliance & Governance

- Manage internal, external, regulatory, and compliance audits related to unsecured lending products.
- Ensure adherence to RBI guidelines, internal policies, and governance standards.
- Drive closure of audit observations and regulatory findings within stipulated timelines.
- Establish robust controls and monitoring mechanisms to mitigate operational and compliance risks.

Stakeholder Management

- Collaborate with Risk, Collections, Analytics, Finance, Operations, Digital, Technology, and Sales teams.
- Present portfolio performance, business reviews, and strategic recommendations to senior management.
- Work closely with channel partners and fintech ecosystems to enhance sourcing efficiency.

📌 Product Lead (Mumbai)
🏢 Yes Bank
📍 Mumbai