Product Lead-Small Business Enterprise-MIS - KMBL

Job description - Product, Policy & Process Lead - Small Business enterprises and Business Loans

• Develop and manage the suite of Business Loan & Working Capital products.
• Define product positioning, pricing strategies, features, and value propositions.
• Conduct market and competitor analysis to identify product enhancements and new opportunities.
• Drive product lifecycle management-from ideation to launch and continuous improvement.
• Periodically review credit policies, underwriting standards, and eligibility criteria.
• Establish guidelines for: Risk assessment frameworks, Financial analysis norms ,Industry/segment exposure limits etc.
• Collaborate with Risk/Credit teams to balance portfolio growth vs. asset quality (NPA control).
• Monitor portfolio performance and revise policies based on delinquencies, early warning signals, and market conditions.
• Map and streamline end-to-end loan lifecycle processes.
• Drive process standardization, automation, and digitization for faster turnaround time (TAT).
• Work closely with technology teams to build LOS (Loan Origination Systems) and workflow tools.
• Implement best practices for customer onboarding, documentation, and verification.
• Identify bottlenecks and continuously improve operational efficiency.
• Act as a bridge between business, risk, and operations to ensure alignment.
• Design customer-centric loan journeys and Process with minimal friction
• Manage Audit and Compliance.

• Growth in business loan and SBE portfolio (volume & value)
• Improvement in portfolio quality (lower NPAs/delinquency)
• Reduction in loan processing TAT
• Product profitability (ROA/ROE targets)
• Simplification of processes and automation.
• Compliance and audit metrics.

• MBA/PGDM in Finance, Banking, or related field (preferred)

8-15+ years of experience in:

• Experience in Business loans / MSME/SME lending
• Product management or credit policy roles
• Strong understanding of credit underwriting, financial analysis, and risk frameworks
• Experience in process re-engineering and digital transformation is an advantage