Job Pupose:
The Vice President, Product for Business Loans will manage the complete lifecycle of our business loan products, ensuring profitable growth and market adoption. This role requires a professional with a deep understanding of market dynamics, customer needs, and financial acumen to define product strategy, oversee development, and ensure successful market integration. A key focus will be on government-backed loan schemes, particularly Mudra loans. The role will collaborate extensively with Credit Risk, Platforms, Marketing, Sales, and Operations teams to deliver cutting-edge and customer-centric business loan solutions.
Key Accountabilities:
• Product Strategy & Definition (Business Loans):

• Define the strategy and roadmap for business loan products, aligning with overall business objectives.
• Identify target segments for business loans, including micro and small enterprises, and develop compelling value propositions.
• Conduct market research, including analysis of competitor business loan offerings and government-backed schemes like Mudra loans,



to inform product positioning and strategy.
• Develop and implement pricing strategies for business loan products to optimize sales volume and profitability.
• Create business cases for new business loan product proposals, securing internal approvals.

• Collaboration with Credit Risk:

• Partner with credit risk teams to define and refine underwriting policies and processes for business loans, balancing risk and market competitiveness, with specific attention to Mudra loan guidelines.
• Integrate credit risk considerations into all stages of business loan product development.
• Contribute to underwriting strategies across the business loan portfolio, including specific sub-segments for Mudra loan beneficiaries.

• Partnership with Platforms & Technology Teams:

• Work with platform teams to define system requirements for business loan products, ensuring successful setup and integration.
• Drive process improvem

📌 Vice President, Product Management Business Loans, Consumer Banking Group (Mumbai)
🏢 DBS Bank
📍 Mumbai