Assistant Manager, Digital Product Strategy

Job Overview

This role ensures that all customer journeys (including but not limited to process notes, policy notes, service level agreements) within SMICC s Digital Lending vertical comply with applicable Digital Lending Guidelines issued by RBI and internal governance standards. It is pivotal in managing business risks (except credit risks) across all products / programs and functions while embedding a compliance-first mindset aligned with RBIs evolving guidelines.

Role & responsibilities

• Support in oversee end-to-end compliance of digital lending journeys and processes are adhering to relevant regulatory requirement.
• Act as the first line of defence by reviewing customer loan kits to ensure they adhere to all internal policies and regulatory guidelines, preventing breaches and ensuring end to end compliance
• Support periodic compliance checks and risk assessments for Digital business
• Coordinate with internal stakeholders to implement regulatory requirements, audit finding
• Stay updated on relevant RBI circulars and specifically to the guidelines related to digital lending
• Assist in reviewing the onboarding checklist for new partners, ensuring full compliance with internal policies and applicable regulatory requirements.
• Monitor and report key compliance risk indicators for the Digital unit.
• Maintain MIS dashboards for ongoing projects
• Prepare approach document, process notes, response to regulatory requirements
• Prepare product strategy deck and market analysis to be undertaken with regards to offerings to customers, peer group benchmarking

Preferred candidate profile

Experience Required (In Years) Minimum- 3-5 years in compliance, risk, or governance within an NBFC, Bank, or FinTech in Digital lending unit.

Qualification Required Graduate / Postgraduate in Finance, or Management. Proficiency in MS PowerPoint and Excel.