Key Responsibilities

1. Product Strategy & P&L; Ownership

- Own and drive product-level P&L;, focusing on revenue growth, profitability, margins and cost optimisation.
- Design and implement sales incentive structures and performance linked contest across alternate channels.
- Develop incentive models aligned with disbursement , revenue, profitability, and business objective.

2. Business Analytics & Data-Driven Decision Making

- Strong analytical capability to interpret large datasets and translate insights into actionable business strategies.
- Develop dashboards and MIS covering sourcing, login, sanction, disbursement, conversion, portfolio quality and profitability.
- Analyse business performance across geographies, customer segments, sourcing channels and branches.
- Conduct cohort, funnel, vintage and portfolio profitability analysis.
- Identify business leakages, operational inefficiencies and growth opportunities through data.

3. Portfolio Growth & Business Performance

- Analyse channel-wise productivity and performance across Direct Sales, Alternate Channels and Digital.
- Partner with distribution teams to improve conversion, productivity, and business contribution.

4.



Stakeholder Management & Governance

- Work closely with Business, Finance, Credit, Risk, Analytics, Technology and Operations teams.
- Establish structured governance and performance review mechanisms.
- Ensure adherence to applicable RBI/NHB regulatory guidelines and internal policies.

Required Experience & Qualifications

- 10+ years of experience in Product Management, Business Strategy, or Portfolio Management within Housing Finance, NBFCs or Banks.
- Robust experience in Affordable Housing Finance / Mortgage / LAP products.
- Demonstrated experience in product-level P&L; management, pricing, and profitability .
- Strong command of business analytics, data interpretation, and performance management.
- Hands-on proficiency in Advanced Excel, SQL and BI tools such as Power BI or Tableau preferred.
- Sound understanding of mortgage underwriting, customer segmentation, and distribution channels.
- MBA/PGDM in Finance, Business Management or a related discipline preferred.

Interested candidates can share their CV at [email protected] Thanks and Regards,

Shilpa

HR Team

📌 Product Manager II Maharashtra (Mumbai)
🏢 Aavas Financiers
📍 Mumbai