Product Lead - Joint Liability Group

1. Sales Channel Performance :

- Drive productivity, funnel efficiency, and disbursal growth across channels (branch, digital, partnerships, referrals)

- Identify performance gaps and implement initiatives to improve conversion and activation rates

- Collaborate with distribution teams to enhance channel effectiveness and scalability

2. Collections Strategy & Portfolio Health :

- Own collections performance across all delinquency buckets (early to late stage)

- Design strategies to reduce delinquencies and improve roll-forward/rollback metrics

- Monitor portfolio health and drive timely corrective actions

3. Incentive Design & Governance :

- Develop and manage sales & collections incentive frameworks aligned with business goals

- Ensure transparency, fairness, and performance-driven payout structures

- Continuously refine incentive models based on productivity and risk outcomes

4. Policy & Process Management :

- Lead credit and operational policy enhancements aligned with risk appetite

- Balance customer experience with robust risk controls

- Identify process inefficiencies and drive automation/digitization initiatives

5. Data Analytics & Business Insights :

- Leverage data to track KPIs, identify trends, and support decision-making

- Build dashboards and MIS for leadership reviews

- Run pilots/experiments to optimize business performance

6. Stakeholder Management :

- Collaborate with Risk, Operations, Product, and Technology teams

- Act as a bridge between business and enabling functions to drive execution