SECTION I: ROLE INTRODUCTION Outlines the basic information of the role. Job Title Product Manager Reporting To 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
• Professional Entrepreneurship
• Drive for Results
• Influence and Impact
• Integrity
• Ability to work in a fast-paced setting
• Strong analytical abilities and data interpretation
• Robust drive capabilities

📌 Product Manager (India)
🏢 Yes Bank
📍 India