Job Title
Digital Product Lead - Vehicle Finance
Location
Chennai (Preferred), Gurgaon, Mumbai

Role Overview
We are seeking an experienced and highly driven Product Lead to own the end-to-end digital customer experience for Vehicle Finance products across Two-Wheeler (2W), Passenger Vehicle (PV) and other vehicle financing journeys.
The role will be responsible for defining the digital product vision, designing best-in-class customer journeys, driving Salesforce LOS transformation initiatives, implementing AI-led customer experiences, and leading cross-functional teams to deliver business outcomes. The incumbent will act as the single point of ownership for product roadmap execution, governance, compliance adherence, stakeholder management, and delivery excellence across the Vehicle Finance ecosystem.
This is a leadership role requiring strong product management capabilities, deep understanding of vehicle finance processes, experience in Salesforce implementations, and the ability to manage large-scale transformation programs involving business, technology, operations, credit, risk, compliance, and external partners.

Key Responsibilities
Digital Product & Customer Experience
Define and own the digital product roadmap, and customer experience for Vehicle Finance products
Design and continuously enhance customer journeys across sourcing, onboarding, credit underwriting, approval, disbursement, servicing, collections, and renewals
Drive customer-centric journey transformation using data-driven decision making and journey analytics
Conduct regular competition benchmarking and market scans to identify emerging trends, innovations, and best practices
Identify opportunities for simplification, digitization, automation, and straight-through processing
Champion AI-led experiences, GenAI use cases, intelligent automation, predictive analytics, and conversational experiences across customer and operational journeys
Define product success metrics and KPIs including conversion, turnaround time, drop-offs, customer satisfaction, productivity, and adoption

Product Delivery & Salesforce Transformation
Lead end-to-end delivery of Vehicle Finance digital initiatives on LOS/CRM platforms
Own product requirements, business cases, feature prioritization, and roadmap execution
Translate business requirements into scalable product solutions and user stories
Drive implementation of Vehicle Finance journeys
Collaborate with engineering teams to ensure high-quality solution design and implementation




Manage product releases from conception through production deployment

Team Leadership
Lead and mentor a team of: Product Managers, Business Analysts, Quality Assurance (QA) Teams and Vendor Delivery Teams
Establish a high-performance product culture with strong execution discipline
Drive agile delivery practices and continuous improvement initiatives
Manage team objectives, development plans, productivity, and performance outcomes

Stakeholder Management
Act as the central coordination point across stakeholders from: Information Technology, Business, Operations, Support, Compliance, Risk, Credit, Analytics and External Vendors
Drive alignment between business priorities and technology execution
Influence senior stakeholders and obtain consensus on key decisions
Present product updates, risks, investment cases, and governance reports to leadership teams

Governance & Steering Committee Management
Run Steering Committees, Program Governance Forums, Executive Reviews, and Product Councils
Define and track program objectives, milestones, KPIs, dependencies, and risks
Establish governance frameworks for monitoring delivery, operational readiness, and business outcomes
Ensure transparent reporting of project progress, issues, and escalations
Drive timely resolution of cross-functional dependencies and blockers

Risk, Compliance & Audit Management
Own product compliance requirements and regulatory alignment across the product lifecycle
Ensure adherence to banking, lending, audit, information security, and data privacy standards
Maintain proper documentation, audit trails, control frameworks, and governance processes
Track regulatory changes and assess their impact on product journeys
Drive closure of audit observations, compliance requirements, and control gaps

Program & Release Management
Identify and mitigate project risks, dependencies, bottlenecks, and delivery challenges
Develop program plans, release schedules, and implementation roadmaps
Own release governance and go-live readiness processes
Oversee SIT, UAT, production validation, and deployment activities
Ensure timely defect resolution and post-production stabilization




Monitor user adoption and business performance after deployment
Drive continuous optimization and product enhancement initiatives

Transformation & Innovation
Lead enterprise-wide transformation initiatives focusing on:
Process automation
API-led integrations
AI and GenAI solutions
Digital onboarding enhancements
Analytics-driven decisioning
Cross-sell and upsell enablement
Process re-engineering
Identify opportunities to improve operational efficiency, customer experience, and business productivity.

Functional & Domain Skills
Deep understanding of Vehicle Finance processes and lending lifecycle.
Strong expertise in: Vehicle Loans, Auto Finance, Loan Origination Systems (LOS), Credit & Risk workflows, Lending Operations
Strong understanding of underwriting journeys, decisioning processes, approval matrices, and compliance requirements

Technical Skills
Hands-on experience with Salesforce implementations
Strong understanding of:
Salesforce objects and data model
Workflow automation
APIs and integrations
Security and user management

Program Management Skills
Proven experience managing large transformation programs and cross-functional teams.
Robust project planning, governance, and risk management capabilities.
Expertise in Agile, Scrum, Waterfall, and Hybrid delivery models.
Ability to manage multiple concurrent initiatives in a fast-paced environment.
Strong execution focus with demonstrated delivery outcomes.

Experience & Qualification
Mandatory
7+ years of overall experience in Product Management, Digital Transformation, or Program Management
Minimum 3+ years of experience in Vehicle Finance / Auto Finance domain
Proven experience delivering Salesforce-based LOS/CRM transformations
Experience managing large cross-functional and vendor teams
Bachelor's Degree in Engineering, Technology, Business Administration, or related discipline
Preferred
MBA from a reputed institution
Salesforce LOS / CRM transformation programs
Exposure to AI/GenAI-powered transformation initiatives
Vendor management and SI engagement

Ideal Candidate Profile
A strategic product leader with deep Vehicle Finance domain expertise, strong Salesforce implementation experience, and a proven track record of leading large-scale digital transformation programs. The candidate should be equally comfortable defining customer experience, managing executive stakeholders, leading delivery teams, and driving measurable business impact through technology and innovation.

📌 Digital Product Lead - Vehicle Finance (Chennai)
🏢 IndusInd Bank
📍 Chennai