AVP Product Manager (Agri & MSME Lending)

Role Overview

Product Manager (Agri & MSME Lending) will be responsible for designing, developing, and scaling lending products for Agri-businesses, Micro, Small & Medium Enterprises (MSMEs). The role entails end-to-end ownership of the product lifecycle, ensuring business growth, portfolio profitability, customer experience enhancement, and compliance with Priority Sector Lending (PSL) norms.

Key Responsibilities

1. Product Strategy & Development

- Develop and execute product strategies for Agri and MSME lending portfolios.
- Design innovative credit solutions aligned with market needs and business objectives.
- Continuously enhance product features, pricing, and value propositions to improve competitiveness.
- Conduct market research, competitor benchmarking, and customer analysis to identify growth opportunities.

2. Priority Sector Lending (PSL) Compliance

- Ensure products are designed and managed in accordance with RBI and PSL guidelines.
- Monitor PSL qualification and compliance requirements across the portfolio.
- Collaborate with Risk, Compliance, and Operations teams to maintain regulatory adherence.

3. Journey Digitization ("Phygital" Journey)

- Lead digital transformation initiatives across the customer lifecycle, including sourcing, underwriting, onboarding, and servicing.
- Drive seamless integration of physical and digital channels to enhance customer experience.
- Work closely with Technology, Operations, and Business teams to automate and optimize lending processes.

4.



Portfolio Management & P&L; Ownership

- Own portfolio performance, profitability, and growth metrics.
- Monitor portfolio quality, delinquency trends, and customer behavior.
- Analyze business performance using data-driven insights and recommend corrective actions.
- Drive portfolio expansion while maintaining asset quality and risk controls.

5. Stakeholder Management

- Partner with Sales, Risk, Operations, Technology, Analytics, and Compliance teams to ensure successful product implementation.
- Coordinate with internal and external stakeholders for product enhancements and strategic initiatives.
- Support senior leadership with portfolio reviews, business updates, and growth recommendations.

Eligibility Criteria

Education

- Postgraduate degree / MBA from a reputed institution.

Experience

- Minimum 5 years of experience in Product Management within:

- Business Loans

- MSME Lending

- Working Capital Finance

- Trade Finance

- Agri Lending (preferred)

Preferred Skills

- Strong understanding of MSME and Agri lending products.
- Knowledge of PSL regulations and RBI guidelines.
- Experience in digital lending and customer journey transformation.
- Robust analytical, problem-solving, and stakeholder management skills.
- Ability to manage product profitability and portfolio performance.

Location: Axis House Worli, Prabhadevi

Grade: AVP

This role is ideal for professionals passionate about building scalable lending products and driving growth in the Agri and MSME banking ecosystem.

📌 Product Manager (Agri & MSME Lending) (Mumbai)
🏢 Axis Bank
📍 Mumbai