Job Description

Job Title Sr. Product Manager - Digital Lending

Grade
Department Digital Banking
Eligible Grade SM/AVP
Location/Branch Mumbai – CO
Reporting To Head - Digital Lending, Digital Banking
A. Position Purpose
Responsibilities include delivering digital lending projects on time within budget and scope. Sr. Project
Managers should have a background / knowledge of Retail Lending business / Product(s), management,
budgeting & analysis.
Position Responsibilities:

Sr. Key Responsibilities

1
Sr. Product Manager will be responsible for end-to-end understanding of existing customer
journeys of lending products and automating them to the highest extent possible.
2
Understanding the current Product platforms & internal processes across lending products and
digitalizing wherever applicable across functions.
Implementing cross-sell journeys & BC / partner integration of various loan products along
3
with launch of new & innovative digital solutions with strong capability to scale up of business .

4
Creation of digital journeys for customers for various lending products by using digital channels
viz Internet / Mobile banking.
Innovation, competition mapping and building the digital product journeys accordingly,
5 integrating with payment gateways and ensuring that the integrations go live would also form
part of the role.
To ensure requirements are gathered from relevant stakeholders, BRD is prepared & raised to
6 the COE (Tech team)/ IT SPOC, ensuring UAT is completed on time and the features/ offerings
go live for the customer/ partner.
7
Active involvement in UAT testing to check performance of the digitized process and go live
after taking necessary approvals from the stakeholders.
8
To establish liaisons with sales, product, Risk and operations team to study the processes and
accordingly identify and plug the gaps.
Ensure that SOP / PAC is written/ updated, as applicable & it is approved by concern
9
committee of the bank.
Should have understanding on any of the various lending products viz Home loan, Loan against
10 Property, Personal loan, Two/Four wheeler loan, Agri loans, Tractor financing, Micro Finance
(MFI), Credit Card & Gold Loans
11 To manage query resolution for external as well as internal stakeholders
12
Prepare Presentations, by presenting data in charts, graphs, tables, designing and developing
relational databases on the project update and present to the senior management.
13
Keep up to date with knowledge on the Banking Industry and various initiatives on the digital
space.
14 Innovate and generate new ideas for improving lending product and process efficiency
15
Sourcing information, influencing colleagues where necessary; information collation &
presentation with conclusions & recommendations
16 Working with various Units to follow-up deliverables & actions
 B. Qualifications and Experience Requirement

Qualifications
Essential Postgraduate preferably MBA or Graduate with finance stream from a known and
reputed institute
Preferred Project Management Certification would an added advantage.
Experience
Essential Minimum 8 years of experience in Banking or Financial Institutions with preferable
experience of min 3 years in retail lending or digital lending space.
Preferred Process reengineering
Project Management Expertise
Delivery excellence in a banking change environment
Excellent communication, negotiation and influencing skills
Ability to structure, plan and execute projects covering various lending products /
Processes.

C. COMPETENCY REQUIREMENTS
a. Technical Skills

Skill Attribute
Business  Research to understand data points required to produce a certain result or data analysis
Analysis  Requirement gathering to produce structured, functional specifications
 Working on complex data elements
 Proven record of working through the full project life cycle
 Proven experience working in a project environment with different methodologies and
approaches
 Experience of working in a banking change environment
 Strong analytical skills
 Strong stakeholder management
 Excellent communication skills
Financial  Understanding of the annual Budgeting Process
Analysis  Understanding of Forecasting Results
 Ability to interpret Financial Results and understand the interplay of numbers, especially
w.r.t. KPIs and their trends
 Ability to assess the financial impact of proposed action plans and follow up
implementations
 Some experience with supporting strategic decision making, including new business
activities, buy/lease, outsource or not.
 Ensure a posteriori that the actions bring the desired benefit
Project  Overall Project Management & Execution, including
Management  Initiating & Planning
 Delivering results
 Monitoring & Controlling
 Project Risks
 Stakeholder Management
 Project Closure
Consulting Skills  Dealing with a cross section of colleagues, influencing skills and building bridges to
achieve desired results
 Business Analysis, Project Management and Change Management within a Universal
banking environment
 Ability and flexibility to work in disparate functional areas of the Bank
 Delivery Excellence in reports & presentations produced
EUC Skills Expertise in MS Excel, Word & Powerpoint
Creating meaningful, smart & effective Powerpoint decks

EUC Skills Expertise in MS Excel, Word & Powerpoint

Creating meaningful, smart & effective Powerpoint decks
b. Behavioural Skills

Competencies Attribute
Professionalism To conduct your duties with good judgment and in good faith
Respect To be sensitive and responsible for what we say and do
Excellence To act in a manner that earns the trust and admiration of others
Entrepreneurial To be enterprising and take ownership of our actions
Teamwork Working collaboratively to achieve the common goals and be successful
together
Discipline 1. Complies with organisational policies and procedures. Seeks clarification
from appropriate authorities when in doubt or contemplating change.
Result Oriented Unwavering focus on achieving results

Orientation to Excellence Strives for Excellence in whatever they do

Attention to Detail Being meticulous and checking the nitty gritty
Communications The ability to convey information to others effectively and efficiently
Perseverance 2. Persistence in doing something despite difficulty or delay in achieving
success
Time Management Managing time effectively - allocating the right time to the right activity
Planning & Organisation 3. Plans his work carefully - establishes courses of action & priorities for self to
accomplish goals. Organises work to effectively & efficiently deliver results.
Problem Analysis & Solving Identifies problems, then transforms them. Relates data from different
sources and identifies possible causes. Using generic or ad hoc methods, in
an orderly manner, for finding solutions to problems.
Decisiveness Shows a readiness to make decisions, render judgements, commit oneself to
definite opinions, taking actions and responsibility for such decisions
Initiative Maintains a high level of energy and enthusiasm, being extremely active for
prolonged periods of time when the job requires this. Works hard and
possesses considerable staying power. A self-starter rather than a passive
acceptor. Takes action to achieve goals beyond those called for. Ability to
assess and take initiatives proactively & independently

c. Functional Inter-linkages

 Internal & External

All departments of the Bank