Product Manager - Rural & Agri Finance

Key Objective of the Job:

- Conceptualize Innovate, Develop and Drive Rural / Agri allied Products.

- Research and develop a repository of knowledge of the rural markets - nuances, products, economics, practices, etc.

- Create innovative technology driven business models/ products which will enable cost effective, process driven, profitable, and sustainable business.

- Travel extensively to remote rural areas so as to understand and incorporate local nuances into product and IT development.

- Prepare business related policies such as pricing, payouts etc in alignment to market realities and internal profitability targets.

- Liaison with all external stakeholders like manufacturers/ regulators/ credit bureaus, etc

- Act as a nodal point for the business to all internal stake holders

- Managing rural business portfolio ensuring overall profitability by crosses selling other Asset products of organization.

- Knowledge of Rural markets and products offering as per seasonality of market with thorough knowledge of Regulatory guidelines governing Rural business.

- Comprehensive and Proactive management of healthy portfolio, by optimizing allocation of capital to profitable business products and put controls to deliver value based growth.

Major Deliverables:

- Roll out market relevant and innovative products within acceptable turnaround times

- Publish various reports related to industry to enable better understanding of the sector

- Customize/ co-develop/ partner with IT partners and develop robust IT systems within short span of time

- Value add in various processes to ensure that the cost to income ratio is within targeted levels

- Release monthly product related matrices timely and vendor payments released on time without recon

- Facilitate sourcing teams by creating schemes and other such enablers to ensure both top and bottom line targets are met

- Meet all cross sell and fee based income streams as per targets

- Travel extensively across locations to get an Understanding of ground realities before formulating product and business plans.

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