Job Description

Product Manager- Cross Sell (Vehicle Loans)

1. Job Purpose Statement:

- To Define, Manage, Assess and Monitor the existing Loans Policy norms. To understand the market trends and customer needs and identify and create new loan products.

2. Duties & Responsibilities:

- Draft and own loan product policies, generate pre-approved offers and run outreach campaigns to existing customer base (live and matured)

- Liaise with other loan BUs to customize product policies for smooth closure with existing customers

- Identify new loan products and form factors to deliver them based on customer needs and market trends

- Set up \'straight through\' / green channels to be able to close leads from HO with limited reliance on feet on street

- Liaise with Analytics teams to maintain data lake, identify eligible customers and generate pre-approved offers for loan product portfolio (\'next best offer\' approach)

- Liaise with Marketing teams to draft creatives and run customer outreach campaigns

3. Key Challenges:

1. Liasoning with other Business Units.

2. Understanding of all loan products where offers can be created

3. Creation and testing of policy rules on System / Rule Engine.

4. Closely monitor the system procedures and ensuring a seamless co-ordination and alignment with operations, fraud control and other stakeholders

5. Analyzing various data trends and presenting it to the top management for new product offerings

Job Requirements:

Professional Qualification Knowledge Skills Competencies:

- MBA from a premier college and relevant experience of 5 + years

- Strong understanding of financial services products in the retail context

- Experience in Consumer insights development and idea generation thereon

- Ability to work with data and cull out insights relevant for draft for loan product policies

- Conceptualizing products and analyzing performance to drive day to day improvements and optimizations (agility critical for sustainability)

- Researcher & upbeat of market trends

- Problem - Solver

- Cost Conscious

- Strong Interpersonal skills

- Problem-solving skills and initiative

- Ability to dive deep into consumer insights to derive further opportunities for cross-sell, upsell and top up and implement the same. o Result orientation with execution excellence

- Accuracy

- Integrity

- High energy

- Ready to multitask

- Planning & Organizing

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