Product Lead

YES BANK·Mumbai·Onsite

Lead Product ManagerFintech

Experience

Not specified

Employment

Full Time

Work mode

Onsite

Level

Lead Product Manager

Location

Mumbai

Posted

2 days ago

About the role

Job Profile –

Product Lead, Personal Loans

Product Manager / Specialist, Business Loans

Role Purpose

The Product Lead– Personal Loans / Business Loans is responsible for the end-to-end management of the PL / BL business, including product / program development, policy formulation, pricing strategy, portfolio management, process governance, profitability (P&L) ownership, and audit/regulatory compliance. The role focuses on driving sustainable portfolio growth while optimizing risk-adjusted returns, customer experience, and operational efficiency.

Key

What you'll do

Product & Business Management
Develop and manage the Loan product lifecycle, including acquisition, servicing, and portfolio expansion.
Define product propositions, customer segments, sourcing channels, and growth strategies.
Drive business growth while maintaining portfolio quality and profitability targets.
Credit Policy Management
Formulate and periodically review underwriting and credit policies for PL / BL
Monitor portfolio performance and recommend policy changes based on risk trends, market dynamics, and regulatory requirements.
Collaborate with Risk, Analytics, and Business teams to implement scorecards, cut-offs, and eligibility criteria.
Pricing & Profitability
Monitor product yields, spreads, net interest margins (NIM), and return on assets (ROA).
Own product-level P&L and profitability metrics.
Conduct competitor benchmarking and pricing reviews to maintain market competitiveness.