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Head - Product - Micro Finance - Mumbai - Lower Parel - MM

Head - Product - Micro Finance - Mumbai - Lower Parel - MM

Tata Capital

1 - 5 years

18 - 22 Lacs

Mumbai

Posted:3 days ago| Platform:

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Skills Required

microfinance lending customer service product management portfolio management financial analysis correspondence regulatory auditing business acumen sourcing sales strategic planning portfolio product pricing business growth pricing finance

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a highly skilled and experienced professional to lead our product management team in the microfinance business, with 1-5 years of experience. The ideal candidate will have a strong background in product management, compliance, and customer service.
Roles and Responsibility

Develop and implement product strategies to drive business growth and expansion.

Manage product lifecycle from concept to launch, ensuring timely and within-budget delivery.

Collaborate with cross-functional teams to design and develop new products and services.

Analyze market trends and competitor activity to identify opportunities and threats.

Develop and maintain relationships with key stakeholders, including customers, partners, and internal teams.

Identify and mitigate risks associated with product development and launch.

Design marketing and product level initiatives to drive critical project initiatives that facilitate achievement of business objectives.

Manage product & policy for individual loan products, targeted at both graduated JLG and open-market customers with existing businesses.

Coordinate new product design development and deployment, enabling streamlining of processes, improving productivity, and reducing costs.

Identify product gaps, conduct research on product ideas, test viability, develop infrastructure required to launch products, obtain internal approvals, and file products with regulatory authorities.

Propose product pricing, channel payout policies, and sales incentive policies while ensuring timely processing of payouts and incentives.

Set segment-wise targets with best pricing and build & scale up portfolio via business correspondence alliances with banks and leading MSME partners.

Monitor portfolios, manage delinquencies, design and implement various products and incentive schemes for Business Correspondence & direct lending.

Lead projects of strategic importance, conceptualizing & implementing new initiatives.

Train credit, sales, collections, and operations teams on product, process, and policy.

Identify and provide inputs for building a technology roadmap for microfinance business.

Play a pivotal role in building and refining risk, credit, and collection frameworks, including staffing.

Handle projects related to the digital journey, including process re-engineering and customer-related digital interventions.

Liaise with the operations team to ensure timely channel partner payouts and effective channel management through onboarding and incentives.

Job

Minimum 1 year of experience in product management or a related field.

Strong understanding of microfinance and MSME lending compliance.

Experience working with top lending institutions and knowledge of business correspondent models.

Excellent business acumen, sourcing, and portfolio management skills.

Ability to understand legal and governance requirements, as well as critical attributes of technology and automation.

Post Graduate/Graduate in any discipline.

Must be familiar with the business correspondent model working with top lending institutions.

Well-versed with Microfinance & MSME lending compliance.

Strategy planning and product management skills are essential.

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Tata Capital

Financial Services

Mumbai Maharashtra

5001-10000 Employees

3763 Jobs

Key People

Rajesh Sethi

Managing Director & CEO
Supratim Bandyopadhyay

Chief Financial Officer
Ravi K. S. R.

Chief Technology Officer

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Head - Product - Micro Finance - Mumbai - Lower Parel - MM