Job Description – Digital Product Manager (Retail)
Captive Finance NBFC / Wholesale Automobile Lending Organization
Position: Digital Product Manager
Department: Product & Marketing
Location: Gurgaon
Reporting To: Head – Product & Marketing

Role Overview
The Retail Product Manager –Digital will be responsible for designing, developing, and managing retail financial products and value-added programs for automobile customers across the dealer network. The role involves end-to-end ownership of product strategy, pricing, policy formulation, customer value proposition, digital journey enhancement, and cross-functional collaboration with Sales, Risk, Credit, Operations, Compliance, and OEM partners.

Key Responsibilities
A. Product Strategy & Development
• Develop and manage retail finance products such as New Car Loans, Used Car Loans, refinancing, top-up loans, buyback programs, balloon schemes, assured resale value programs, and other tailored financing structures.
• Conduct market research, competitor benchmarking, and customer insights to identify product opportunities.




• Conceptualize and launch current product offerings aligned with OEM retail strategy and customer buying behaviour.
• Design customer-centric value-added offerings (insurance, extended warranty finance, service package finance, accessories finance, loyalty programs).

B. Pricing, Policy & Program Management
• Formulate product pricing, interest rate structure, schemes/subvention plans, and promotional offers.
• Build product approval notes, business cases, and policy documentation.
• Track product profitability, yield, and portfolio performance; recommend revisions to maintain competitiveness.
• Manage OEM subvention schemes and retail program rollouts across dealership networks.

C. Business Growth & Channel Support
• Partner with regional and field sales teams to drive product penetration and loan conversion ratios.
• Conduct product training sessions for dealer finance teams and internal sales teams.

📌 Digital Product Manager (Gurugram)
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📍 Gurugram