Hiring Organization : Banking

Salary : Not disclosed

Experience : 2- 10 years

Product Manager banking job in Mumbai India :

Location : Mumbai India

Job type : Full time

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 environment

·      Strong analytical abilities and data interpretation

·      Robust drive capabilities 

Skills::

Risk Management

Data Analysis

Policy Development