Junior Product Manager Digital Department - Mortgage & Gold loans

Muthoot Finance is currently undergoing a significant transformation to establish sustainable scale in its Unsecured & Secured lending businesses. The main goal is to utilize the existing customer and branch base while also acquiring new customers. A key focus area for growth is the development and expansion of digital channels to enhance customer experience and achieve business objectives. This includes creating seamless omni-channel journeys across various platforms such as the website, customer mobile app, call center, and Sales mobile apps. The role based in Bangalore, Corporate Office, involves devising a comprehensive Digital lending strategy for Gold loan, related products, and Secured Loans like Property loans. The target customer segments include self-employed individuals and salaried employees, with self-employed customers being a significant focus. Candidates applying for this role should have 12 to 18 months of experience in executing and scaling up digital journeys for Gold Loan and Property Loans from inception. Key responsibilities include tracking the Digital funnel, enhancing processes, and overseeing the development and scaling of top-notch Digital Lending channels. This involves managing DIY for customers, assisted journeys through Sales apps and call centers, and ensuring high proficiency in tools like Microsoft Excel/Google Sheets. Furthermore, the role requires collaboration with various stakeholders such as vendors, IT teams, risk management, testing teams, analytics, and Business units to ensure timely development changes. Working with third-party vendors and external partners/aggregators to expand the digital lending business is also essential. Keeping abreast of competition in the digital lending landscape and staying updated on industry trends and volumes is crucial for success in this role. The ideal candidate should possess the ability to conceptualize End-to-End customer, sales, and call center journeys while considering customer convenience and backend technology requirements. A solid understanding of Bank end systems and processes [LOS/Loan Management system/BRE] is mandatory. Knowledge of the lending technology landscape, including APIs, is beneficial. Additionally, proficiency in strategic thinking, quantitative analysis, data interpretation, and effective communication skills are required. The candidate should be organized, methodical, proactive, and efficient in execution. Familiarity with Secured Loan and Gold Loan customer segments, as well as previous coding experience on web or android platforms, is advantageous. Qualifications for this role include an Engineering degree from a reputed college and an MBA with a specialization in Marketing and/or Finance. Candidates with experience in traditional product management roles need not apply for this position.,