Team Member - Products - Unsecured Lending

Industry - Financial Services

Skills - Product development, Product management, Digitization of the products

Job Type - Permanent

Job Description - An opportunity to work for a new age digital platform based lending

To be a part of new age business product team

Client Details

A well-established brand and top 3 player in the lending space, today their product suite comprises of a well-diversified book, with equal weight-age and focus given to all lines of business. Having seen a Y.O.Y cumulative growth of 50% in both top-line and bottom line, sustainable profitability continues to be the key management agenda. The Digital business is a new age business which continues to be the focus of the management with an expectation to add to the bottomline of the business.

Description

- Responsible for competitive benchmarking (vs. Banks/NBFC/Fintech)

- Devising product construct for digital unsecured lending

- Working with credit to design underwriting policy & framing matrices for underwriting application through Digital Platforms

- Enabling technological implementation of loan origination and management systems including defining scope and overseeing UATand deployment

- Identifying, sizing and implementing relevant partnerships for loan sourcing

- Partnering with Alliances team to drive the value proposition for various allinaces extended

- Deliver on business plan & P&L

- Review product profitability and key drivers of revenue, expense and credit losses. Identify risks and opportunities, relevant resulting actions and work with relevant departments to drive implementation

- Work closely with the partner product and marketing teams to ensure delivery of (both financial and non-financial) program goals

- Own the customer journey from initial engagement through to product / account cessation for the digital platform

- Manage fee and rate pricing strategies and tactical pricing changes

- Work with risk and credit ops to ensure that acceptance and collections strategies and processes are working to maximise EBIT

EBIT- Create and manage Product Line Strategy through research and market benchmarking, develop positioning, define target segment and maintain distinct product value proposition

- Customer needs gap analysis within current product suite - to address with development of distinct value proposition or product revamp

Profile

- Should have 5-7 Yrs of experience in driving the products for unsecured lending/consumer durables

- Should have worked on the digitization of the products

- Exposure to various technologies to facilitate conversion from manual to digital platforms

- A qualified MBA/CA with experience in NBFC/Bank/Fintech

- Understanding product P&L and business levers

- Experience in launching a digital product/platform would be preferred

Job Offer

- An opportunity to work for setting up the digital business platform for Unsecured products

- To be a part of an organisation that has a significant presence across various business of lending

Contact - Bhavik Doshi -

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