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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