Job Requirements

Role/ Job Title: Product Manager – Unnati Micro Business Loans

Business: Unnati Micro Business Loans

Function/ Department: Unnati Micro Business Loans

Job Purpose

The Senior Product Manager – Unnati Micro Business Loans will be responsible for end-to-end product management of the Unnati Micro Business Loans product within the said unit. Based in Mumbai, the role involves strategic oversight of product development, process optimization, market analysis, and P&L; management. The ideal candidate will drive innovation, streamline operations, and ensure competitive positioning in the market.

Roles & Responsibilities

Primary Responsibilities

Product Management

- Develop ongoing market insights and identify sector trends.
- Evaluate competitor offerings and benchmark product propositions.
- Conduct SWOT analysis and uncover growth opportunities.
- Configure and refine product pricing using market research and costing data.

Portfolio Review & Performance Management

- Conduct post-launch product audits and competitor evaluations.
- Analyse product and portfolio performance.




- Adjust marketing and promotional plans based on performance insights.
- Assess channel performance and rationalize portfolios, managing & monitoring portfolio collections strategies and costs
- Analyse the PnL, To find relevant trends and shar the same with stakeholders

Customer Journey & Process Streamlining

- Design and implement smooth, creative end-to-end customer journeys.
- Customize and digitize loan processes and system platforms.
- Ensure regulatory compliance and closure of audit observations.

Product Sales Support

- Develop training modules and deliver training across teams.
- Coordinate with support verticals (sales, credit, operations) for product execution.

Secondary Responsibilities

- Develop and deliver training modules for internal teams.
- Coordinate with support verticals and stakeholders for smooth product operations.
- Maintain MIS and product decks for periodic reviews.
- Engage with sales teams daily to drive disbursal volumes and maximize reach.

Educational Qualification:

Graduate/Post Graduate

Experience:

5 to 7 Years

📌 Product Manager - Unnati MBL (Mumbai)
🏢 IDFC
📍 Mumbai