National Product Manager - Housing Loan

National Product Manager-Housing

Job Location: Bangalore

Job Summary:

- Drive RPM to identify products, segments and markets for the Housing segment to focus on.

- Make RPM formulate area / location specific product programs and policies for growth of the Housing business in line with the objectives set.

- To streamline processes in order to achieve seamless roll out of products and enhance customer responsiveness.

- To undertake projects and lead cross functional teams for IT related projects to provide solutions for various process improvements.

- To develop analytical tools for identifying customers for growing relationships and improving customer stickiness.

- To assess and support plans for digital lending initiatives in the Housing business

- Undertaking periodic review of the business P&L, identify areas of good performance and improvement, and propose corrective action to ensure budgets and return ratios are met in line with plans for the Housing business.

- To review income plans and identify additional sources of revenues and fee income to drive overall profitability of the business.

- To Drive RPM in engaging cross sell of products along with Housing loans.

- To track performance of the Housing business through MISs on various business and credit parameters like disbursements, # of accounts, fees, delinquencies, productivity and other parameters

- To work closely with marketing to develop various marketing schemes and marketing campaigns to enable growth of business

Roles & Responsibilities:

- To identify products, segments and markets for the housing loan segment to focus on.

- To formulate product programs, new products and policies to enable growth of the Housing business.

- Drive the implementation of new policies & amendments through proper communication/training to all relevant stakeholders in the organization.

- To track performance of the Housing business through MISs on various business and credit parameters like disbursements, # of accounts, fees, PAR, NPAs, productivity and other parameters

- To review income plans and identify additional sources of revenues and fee income to drive overall profitability of the business.

- To work closely with marketing to develop various marketing schemes and marketing campaigns to enable growth of business

- Drive the Digital lending business of Housing

- Initiate engagements with Fintech, technology companies, analytics companies, Payment solutions firms, and other similar companies for potential tie-ups for digital lending

- Support the Housing Business team to achieve the business numbers for the year

- To prepare and finalise yearly business plans in discussion with the Business Head, regional heads, Finance and strategy teams

- To chart out the long term 3-4 years plans for the business in consultation with various stakeholders.

- To develop performance metrics for driving performance of the team members.

- To design contests and other marketing activities to drive performance of the business unit

- Keep abreast with latest in Housing loan space with respect to legal and technical aspects and bring that to implementation.

- To work along credit team to asses vendors

Desired profile:

- 8-15 Years of experience in product Management of Housing/Mortgage/LAP products from Banks/NBFC's