Product manager - assets - sme

Business Function
SME Product SME customers with a full suite of commercial banking solutions including liabilities, payments & cash management, trade & supply chain finance, working capital, term lending, and FX. The business is expanding in Alternate Lending / Ecosystem-led partnerships to accelerate digital acquisition and embed lending journeys.
Job Purpos
e Own end-to-end product management for SME lending programs across Ecosystem-led, co-lending, anchor-led and alternate lending constructs. Drive product strategy, credit program design, SOPs, digital journey delivery, portfolio governance and regulatory compliance
. Key Accountabilitie
s Responsible for overall product management & managing Credit program/policies of SME lending
, Design & manage SOPs on E2 E lending journey with adequate risk control
s Overall portfolio management of the Credit programs including monitoring of triggers & cap
s Management of adherence of Digital lending guidelines & ensuring applicable program complianc
e Support in digital implementation of the lending journey
s
Job Duties & responsibiliti
es Responsible for devising new credit programs / existing program amendment
s. Creation of E2 E SOP for all lending progra
ms Creation of credit programs foe SME lending and commercialisation of the sa
me Work closely all relevant stakeholders to ensure timely go-live of lending programs under the partnership
s. Work with various stakeholders to ensure NPA / ESPORA / ORR / SOP approvals as applicable for the various partnershi
ps Overall manage the portfolio management working with RMG-Credit and CPRAM for portfolio triggers and caps, delinquency management and hygiene
it Support in setting up of early warning & other necessary risk controls for Alternate Lending & Co-lending polici
es Provide portfolio insights partner-wi
se Work closely with partners for embedded streamlined customer journey, product delivery, close monitoring and governan
ce Collaborate with Product Manager (SFW) to build the digital journeys of these credit programs/partnerships on an on-going basis (i.e. write user stories, modify existing journeys, incorporate partner feedbac
k)Support the coverage team for successful commercialization of partnerships for scale up of asset custome
rs Devise customized training programs for the front line for effective sales & marketing Alternate Lending program
s. Build feedback loop with partner/coverage team for improvemen
t.
Requiremen
ts The candidate should have 6-8 years’ minimum overall relevant experien
ce. Experience in Product Management, lending spl trade finance and digital is preferr
ed. MBA- Finance/Marketing /CA/CFA – preferred from Tier-1 instit
ute The candidate should be proficient in MS-Word, PPT and Ex
cel
Core Competen
cies The job holder needs to possess the following ski
lls: Job Knowl edge: The job holder should be fast learner in the
job Organising Skil ls: The job holder needs to be organised so as to enable him to meet the conflicting deadli
nes. Proact ive: To understand the system implementations and grasp the changes fas
ter. Communication Ski lls: The job holder needs to have effective verbal as well as written communication ski
lls. Interpersonal Skil ls: The job holder needs to liaise with various stake holders (internal and exter
nal)
Work Relatio
nship To work
with: Internal: SME Head, Product Head, Product Team, RMG, GTS, Strategy & Planning, DAH2, SG
-Tech External: Ecosystem par
tners