Essential Qualifications:

Graduate. MBA preferred

Essential Experience:

- 10+ years of relevant experience with Personal Loan and / or Cross Sell product
- Relevant years of experience in product management & distribution channel management
- Comfortable with working with large data sets and tech driven businesses

Key Roles and Responsibilities:

Product Management

- Develop and manage the product and proposition roadmap for cross-sell products across PL, UBL and other relevant products.
- Design recent products, schemes, pricing, offers and customer propositions based on customer & business needs.
- Own the end-to-end product lifecycle from conceptualisation through approval, launch, monitoring and modification/discontinuation.
- Define product eligibility, customer segmentation, offer constructs and channel-specific propositions.
- Monitor product performance, unit economics, profitability and customer outcomes and drive corrective actions.

Customer &
- Data/Analytics Management

- Develop customer segmentation and propensity-based targeting strategies to identify cross-sell opportunities.
- Work with Data/Analytics teams to develop customer propensity, lead prioritisation & next-best-offer framework.
- Analyse customer behaviour, response rates, conversion and drop-offs across the funnel.
- Develop dashboards and MIS to monitor cross-sell performance at customer/product/channel/campaign levels.
- Continuously optimise targeting, offers and customer journeys based on campaign and conversion analytics.

Process, Policy &
- Technology

- Design and continuously streamline end-to-end cross-sell processes and customer journeys across physical and digital channels.
- Work with Credit, Policy, Risk, Operations and Compliance teams to define and optimise eligibility,



underwriting and fulfilment processes.
- Identify process bottlenecks and drive automation and straight-through processing wherever feasible.
- Work closely with Technology/Product teams to build and enhance cross-sell journeys, lead management, offer management and campaign orchestration capabilities.
- Define product and business requirements for the cross-sell technology platform and prioritise the product roadmap.

Sales &
- Channel Development

- Develop new business channels, including alternate, digital, partner and embedded channels.
- Define channel strategy, economics, propositions and operating models.
- Design and implement campaigns, sales programs and contests to drive acquisition and cross-sell.
- Partner with sales leadership to improve lead conversion, productivity and channel effectiveness.
- Develop relationships with Channel Partners, FinTechs, Online Aggregators and other ecosystem partners.
- Gather market and partner feedback and translate insights into product, process and proposition improvements.

Business &
- Performance Management

- Own business targets, revenue, profitability, cost and P&L; for the cross-sell portfolio.
- Set targets across products, customer segments & channels based on business budgets and market opportunity.
- Drive funnel-level performance management across lead generation, contactability, conversion & disbursal.
- Develop hiring strategy, organisation structure, role definitions and performance scorecards for internal team.
- Design incentive structures for different sales channels aligned to profitable growth and quality of business.
- Monitor productivity and drive continuous improvement across teams and channels.
- Ensure adherence to audit, compliance, risk and sales quality guidelines.

📌 Product Head Cross Sell (Mumbai)
🏢 Piramal Finance
📍 Mumbai