Senior Product Manager or Head Product & Portfolio
Job Code ID
COB3G66EE
Business Unit
Commercial Banking
Grade/ Level
G6 to G10
Sub Business Unit
Product and Portfolio Management
Management Band
Junior Management
Location
Mumbai
Section II: JOB ROLE SCOPE
Outlines the count of employees reporting and financial metrics of the role.
Number of Direct Reports
NA
Financial Metrics (Budget, Revenue, etc.)
Cost Centre
NA
Total Team Size
NA
SECTION III: PURPOSE OF THE ROLE A two-to-three-line statement outlining the objective or the reason for which the job exists.
Portfolio and Risk Monitoring
SECTION IV: KEY RESPONSIBILITIES & KPIS OF THE ROLE
Portfolio and Risk Monitoring
Responsibilities
KPIs
Core Responsibilities
- Maintaining operational and credit risk controls over sanctioned and disbursed portfolio by effectively applying monitoring tools.
- Monitoring portfolio to assess delinquency trends across various locations, profiles, programs, products, other parameters.
- Analyzing trends regularly to understand overall portfolio behavior and also reasons for defaults by individual customers/ segments and accordingly suggesting appropriate modifications in policy, programs etc. based on trends observed.
- Competition benchmarking (peers and industry level) and tracking portfolio trends which will help in improving product and policy framework.
- Maintaining, enhancing and managing the Early Warning System (EWS) mechanism.
- Designing and developing various portfolio decks for the monitoring of portfolio – delinquency, repayment and outstanding segment wise, disbursements and sanctions across various critical parameters and demography.
- Deriving and highlighting analytical insights from the portfolio monitoring to senior management and stakeholders in order to augment policy decisions across various parameters like demography, customer segments, industry, etc.
- Planning, developing and executing reporting activities that would help in managing the credit perspective through various analytical approaches
- Preparing review notes and presentations for senior stakeholders
- Handling internal and regulatory audit which includes circulating and highlighting summary findings to senior management
- Coordinating with various internal stakeholders for arranging data availability for effective review and monitoring purposes
- Hind-sighting of credit policy implementation
- Training to front-line team
- Portfolio house- keeping
- Complaint management /resolution providing to ground team related to all program and guidelines
- Business development and lifecycle management of RMs including driving knowledge management & KPI driving for SME segment teams
- Maximize Income/Revenue
- Adhering to YES personality guidelines focus on own skills and knowledge development
- Automate Manual Tasks
- Servicing of SME Customers
SECTION V: OPERATING NETWORK
Internal Legal, Credit Team, Business Sales team, Compliance etc.
External
External Vendors
SECTION VI: ROLE PROFILE REQUIREMENTS
Minimum Qualification Which Are Essential To Execute The Role.
Education
CA/ MBA
Experience
2 to 10 years of relevant experience.
Experience in credit team will be preferred
Competencies
CORE COMPETENCIES
LEADERSHIP/ BEHAVIORAL COMPETENCIES
- Customer and Quality Focus
- Skilled Entrepreneurship
- Drive for Results
- Influence and Impact
- Integrity
- Ability to work in a fast-paced environment
- Strong analytical abilities and data interpretation
- Robust drive capabilities
📌 Product Manager (India)
🏢 Yes Bank
📍 India
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