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

Solid 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.

Strong 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