BharatPe - Business Lead - Gold Loans

Primary Responsibilities :

- Owner of Product and pricing and its performance parameters

- Budgeting and P&L Management as per budget

- Manage all the Onboarding systems, responsible for the customer journey and delight aspects

- Regulatory compliance

- New initiatives (Alternate Channels, X-sell initiatives, etc.,)

- Expansion to new cities

Job Description :

- Accountabilities (Detailed Job Description) Design and execute timely product schemes to match with competition

- Execute and drive competitive product offerings through proper and timely competitor analysis

- Responsible to drive pricing parameter set at the business level through proper design of the scheme chart to manage yield targets

- Work closely with the Marketing and growth team to drive timely Digital campaigns through Digital initiatives and app visibility

- Prepare a budget in coordination with Finance and Business Head based on the requirement

- Review actual against budget in all aspects, productivity, profitability, top-line and bottom-line and minute analysis of P&L

- Always analyse the scheme-wise performance, quality aspects etc.,

- Drive quality aspects like Audit query clearance, risk account clearance through business channels.

- Work closely with Operations and Audit to create proper sync between quality and business requirements as well smooth functioning of the business activities and branch performance

- Coordinate with Business and Marketing team to ensure productivity levels in low productive and concerned area branches

- Ensure training of all the staffs in terms of product, scheme as well as the process through coordination with Training dept of HR, Business and Operations

- Design and execute incentives structures for applicable staff and channels

- Follow through meticulously with the product launches, drive clear deadlines and faster closures

- Strive to introduce and implement value-added products through Gold Loan branches

- X sell initiatives in coordination with concerned business verticals and other product heads to ensure multiple asset product visibility through branches