Product Manager

Product Strategy & Planning

• Define the roadmap for consumer durables financing products (e.g. EMI/tenure structuring, promotional plans, co-branded offers)
• Conduct market research to assess demand, competitor offerings, regulatory changes, and identify customer segments

2. Product Development & Launch

• Work with digital, tech, and operations teams to design seamless end-to-end journeys: partner onboarding, retailer integration, customer onboarding, app/portal UX, disbursal and repayment flows
• Track key performance indicators (KPIs), iterate product features based on data feedback

3. Risk, Compliance & Pricing

• Liaise with credit and risk management: maintain pre-approved limits, underwriting rules, profit margins, NPA parameters
• Ensure products comply with RBI/NBFC guidelines and internal risk policies

4. Stakeholder Management

• Collaborate closely with internal functions: merchandising, analytics, operations, partnerships, digital, legal, collections
• Engage with external partners: retailers, OEMs, ecommerce platforms, payment aggregators

5. Monetization & Profitability

• Monitor P&L performance, margins, cost of funds, conversion and default rates
• Design dynamic pricing strategies and promotional offers to maximize yield and customer acquisition

6. Digital Enablement & Analytics

• Enable digital journeys: eKYC, plugandplay APIs, real-time credit judgment, disbursal and repayment automation
• Use data analytics to assess portfolio health and optimize product features