Lead - Product - Two Wheeler

Description:

Key Responsibilities:

Product Strategy & Design:

- Develop and own the end-to-end product roadmap for 2-Wheeler Finance.

- Structure customer-centric products across captive and open-market segments.

- Innovate pricing, LTV structures, yield models, and customer segments.

Business Growth & P&L Ownership:

- Lead product initiatives to drive volume growth, profitability, and portfolio performance.

- Define and monitor product KPIs such as disbursements, IRR, bounce rates, NPA levels, and acquisition costs.

Digital & Technology Integration:

- Drive digital loan journeys, API integrations, dealer apps, LOS/LMS enhancements and automation.

- Build partnerships for alternate data scoring and instant approvals.

Cross-functional Leadership:

- Work closely with Risk, Credit, Operations, Collections, Tech, Finance, and OEM partners.

- Ensure seamless process flows across lead generation, login, approval, disbursement, and onboarding.

Market & Competitor Intelligence:

- Monitor market trends, competitor products, and emerging consumer needs.

- Create strategies for new products (e.g., EV 2W loans), top-up loans, and digital upgrades.

Regulatory & Compliance Alignment:

- Ensure compliance with RBI guidelines, internal audit norms, and credit risk frameworks.

Team Leadership:

- Build and lead the product team, mentor managers, and drive high performance and innovation.

Key Requirements:

Experience:

- 10-18+ years of experience in NBFC/Bank consumer lending, specifically 2-Wheeler Finance.

- Strong background in product management, risk, underwriting models, digital journeys, and partner management.

- Experience working with OEMs, dealerships, DSAs, and digital lending ecosystems.

Skills:

- Expertise in product lifecycle management and P&L ownership.

- Strong analytical, problem-solving, and market research capability.

- Ability to collaborate across multiple senior stakeholders.

- Proven ability to lead digital lending transformation.

Education:

- MBA/PGDM preferred (Finance, Marketing, Strategy).

- Additional certifications in product management or digital lending are a plus.