Digital Product Manager-Digital Banking-Net & Mobile Banking HO Team

This is an Internal document.
Digital Product Manager - Recommendation Engine (CrossSell & Personalisation)
Position
Manager / Senior Manager (M3 / M4)
Location
Mumbai
Role Overview
Own and drive the bank's recommendation engine used to crosssell products to existing customers across digital and assisted channels. The role is responsible for designing, executing and optimising datadriven, personalised offer recommendations that recommend the right product to the right customer at the right time, thereby improving engagement, conversion and portfolio penetration.
Growth & Offer Recommendation Strategy

Define and execute crosssell and engagement strategies using the bank's recommendation engine

Drive growth across Credit Cards, Loans, Deposits, Investments and Insurance products

Translate business priorities into executable offer recommendation strategies
Customer Targeting & Personalisation

Recommend the right product to the right customer using eligibility, behaviour and transaction data

Leverage customer segmentation and microsegmentation

Enable personalised offers across customer lifecycle stages
Channel Orchestration

Execute offer recommendations across Digital Channels (Mobile Banking, Net Banking, Website)

Coordinate with Physical & Assisted Channels (Branch, Call Centres) to pitch the right product
Journey & Conversion Optimisation

Monitor customer journey dropoffs

Ensure correct CTA, redirection and endtoend journey

Improve recommendation performance by optimising ClicktoImpression (C2I) ratios
Analytics & Performance Tracking

Own the tracking of recommendation and offer performance metrics
This is an Internal document.

Monitor base utilisation, offer fatigue, conversions and overall effectiveness

Conduct business reviews with clear insights and databacked explanations
CrossFunctional Collaboration & Governance

Act as the SPOC across Business, Product, Marketing, Analytics, Tech, Operations and Compliance

Drive campaign approvals, execution governance and hygiene

Prioritise customer experience across all recommendation and offer journeys
Platform & Process Improvement

Identify opportunities to improve recommendation logic, targeting frameworks and execution efficiency

Drive standardisation of campaign formats, execution processes and controls

Propose datadriven enhancements to improve overall recommendation effectiveness