Job Description

Position Title:Product Head - GL

Grade : AVP / DVP

Reports to : Business Head - GL

Location : Preferable Chennai

Responsibilities :

- Primary Responsibility (Pointers)Owner of Product and pricing and its performance parameters

- Budgeting and P&L Management as per budget

- Manage all the On-boarding system, responsible for the customer journey and delight aspects

- Regulatory compliance

- Owner of all Variable pay structures to Business channels

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

Accountabilities :

- Always strive to execute and drive competitive product offerings through proper and timely competitor analysis

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

- Work closely with CDO and IT team to drive timely Digital campaigns through Digital initiatives and website visibility - joint responsibility with Marketing Head

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

- Review actual against the 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 process through coordination with Training dept of HR, Business, ORM and Operations

- Design and execute Variable payout (incentives) structures for applicable staffs and channels

- Design and drive timely and zone/region wise contests in close coordination with ZBH and Reional Business Teams.

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

- Strive to introduce and implement value-added products (TP) through GL branches

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

- Provide enablers to the sales team for up-selling of various products including but not limited to conceiving and driving business contests etc.

Desired Profile :

- QualificationsGraduate / MBA

- Experience(in yrs)Min 6 years of experience post-qualification

- Experience in Gold Loans (Product, Sales Strategy or Operations in NBFC / Banking)

- Knowledge of MS office, preparing ppt presentations etc.,

- Sound understanding of Retail Business processes and digital aspects

Skill & Competencies :

- Strong inter-personal skills

- High on integrity

- Team player, good coordinating skills & networking skills.

- Outgoing & Self motivated

- Ability to deal/manage people at all levels

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