- POSITION DESCRIPTION

JOB TITLE : Asset Product Manager GRADE : AVP-I

DEPARTMENT : Branch Banking

LOCATION : Branch

SUB-DEPARTMENT : Branch Banking

TYPE OF POSITION : Full-time

REPORTS TO : Regional Business Head-Branch Banking

REPORTING INTO

NA

- ROLE PURPOSE &
- OBJECTIVE

To own and drive the Asset Cross-Sell business for the assigned region by delivering disbursement targets across retail asset products through the Branch Banking channel. The role is responsible for regional business planning and execution, sales strategy, campaign and contest management, stakeholder engagement, performance governance and execution of strategic initiatives to maximize business growth. The role also drives relationship deepening by ensuring customers acquired through Asset Cross-Sell are effectively cross-sold Liability Products, Third Party Products (TPP), Digital Banking and other relevant Bank offerings.

- SIZE OF THE ROLE

FINANCIAL SIZE NON-FINANCIAL SIZE
- Responsible for delivering annual Asset Cross-Sell disbursements of 750+ Crore for the assigned region.
- Drive business across 170+ Branches in the assigned region
- Drive business across Home Loans (Affordable Housing, Prime Home Loan &
- Micro Mortgage), MSME (LAP &
- Working Capital), Gold Loans, Agri Loans, Vehicle Finance (Two-Wheeler &
- Used Car Loans) and Credit Cards.
- Govern an annual lead funnel of approximate 1,00,000+ customer leads through Branch Banking and regional business initiatives.
- Oversee business performance and productivity of Asset Desk Managers (ADMs).
- KEY DUTIES &

RESPONSIBILITIES OF THE ROLE

Business
- Own the Asset Cross-Sell business for the assigned region and deliver business, disbursement and productivity targets across retail asset products.
- Develop and execute regional business plans and strategies to drive sustainable business growth.
- Drive branch-wise and product-wise performance through structured reviews, business planning and performance governance.
- Design and execute regional campaigns, contests and focused business drives to accelerate business performance and improve branch engagement.
- Own and drive regional strategic initiatives such as Asset Desk Manager (ADM),



Branch-led Asset and other business programs introduced by the Bank.
- Monitor the complete business funnel from lead generation to disbursement and drive interventions to improve productivity, conversion and TAT.
- Identify business opportunities through MIS, portfolio analytics, market intelligence and customer insights and implement focused regional interventions.
- Drive relationship deepening by ensuring customers sourced through Asset Cross-Sell are effectively cross-sold Liability Products, Third Party Products (TPP), Digital Banking and other relevant Bank offerings.
- Partner with Product teams to drive adoption of new products and provide structured feedback on product features, pricing, policies and business processes based on regional insights.
- Monitor campaign effectiveness, business productivity and portfolio quality and implement corrective actions to achieve business objectives.

Customer (Both Internal &
- External)

- Partner with Regional Business Heads, Cluster Heads, Branch Managers and stakeholders/ supervisors of Asset teams to maximize Asset Cross-Sell performance across the region.
- Support branches in identifying customer opportunities and enhance customer experience throughout the sales journey.
- Strengthen customer relationships by promoting comprehensive banking solutions beyond asset products.
- Capture customer and market feedback to identify emerging business opportunities and improve product adoption.

Internal Process
- Conduct regular regional business reviews and monitor branch-wise productivity, conversion ratios and turnaround times.
- Collaborate with Product, Credit, Operations, Analytics, Marketing, Digital and Training teams to drive business growth and resolve regional bottlenecks.
- Ensure effective utilization of leads generated through branches, campaigns and other sourcing channels.
- Ensure compliance with regulatory guidelines,



internal policies and risk management frameworks.

Innovation &
- Learning

- Identify and implement best practices to improve business performance and branch productivity.
- Recommend process improvements and automation opportunities based on regional business insights.
- Conduct capability-building programs for Branch Banking teams and ADMs on asset products, sales effectiveness and cross-sell opportunities.
- Promote a culture of continuous learning, innovation and business excellence across the region.
- MINIMUM REQUIREMENTS OF KNOWLEDGE &

SKILLS

Educational

Qualifications

- Graduate in Commerce/Business/Economics or related subjects with good analytical and sales skills to be considered. MBA/PGDM (Marketing/Finance) preferred.

Experience

- 8–12 years of experience in Retail Banking with exposure to Branch Banking, Asset Business, Sales Management

Certifications
- NA

Functional Skills
- Solid understanding of Retail Asset, Liability and Third-Party Products.
- Regional business planning, sales management, campaign execution and performance governance.
- Strong analytical and MIS interpretation skills.
- Understanding of Credit, Operations and Retail Banking processes.
- Proficiency in MS Excel, PowerPoint and business reporting tools.

Behavioral Skills
- Strong business and customer orientation
- Excellent stakeholder management and interpersonal skills
- Analytical and structured thinking
- Strong communication and presentation skills
- Result-oriented with high execution focus
- Ability to lead and influence cross-functional teams

Competencies Required
- Business Acumen
- Planning &
- Organizing
- Collaboration
- Driving Execution
- Stakeholder Management
- KEY INTERACTIONS

INTERNAL

EXTERNAL

- Branch Banking Leadership
- Asset Business Teams
- Asset Desk Managers
- Product
- Credit
- Operations
- Analytics/MIS
- Marketing
- Digital Banking
- Training
- Risk &
- Compliance
- Customers
- Channel Partners / DSAs (where applicable)

PREPARED BY: Joshua Raja DATE: 01-07-2026

REVIEWED BY: Hitendra Jha

DATE: 02-07-2026

LAST UPDATED BY: TM Team

DATE: 21-07-2026

This is Internal document.

📌 Asset Product Manager -Pune RO
🏢 Ujjivan Small Finance Bank
📍 Pune