Job Description

Role Purpose

To lead the end-to-end strategy, design, and lifecycle management of the Gold Loan product, ensuring profitable growth, superior customer experience, regulatory compliance, and continuous innovation through data-driven decision-making and digital enablement.

Key Responsibilities

1. Product Strategy & Lifecycle Ownership

• Own the end-to-end Gold Loan product lifecycle—ideation, design, launch, and continuous optimization

• Define product roadmap aligned with business goals, market demand, and customer insights

• Drive innovation by developing new product variants, features, and value propositions

• Lead pan-India product initiatives and ensure consistent rollout across regions

2. P&L Management & Portfolio Growth

• Own product P&L, including revenue growth, cost optimization, and profitability metrics

• Drive portfolio growth (AUM, yield, customer acquisition) through targeted initiatives

• Monitor portfolio quality (NPA, delinquency, PSL compliance) and implement corrective strategies

• Identify cross-sell and ancillary revenue opportunities (insurance, top-ups, etc.)

3. Pricing, Policy & Risk Framework

• Design and manage pricing models, LTV norms, and interest rate strategies

• Develop and implement product policies, SOPs, and risk controls aligned with RBI guidelines

• Continuously review and optimize policies to balance risk, compliance, and growth

4. Go-to-Market & Business Enablement

• Design and execute go-to-market strategies across branch, digital, and partner channels

• Launch campaigns, incentives, and R&R programs to drive business growth

• Work closely with sales teams to improve product penetration and conversion rates

• Enable branch productivity through structured sales support and product interventions

5. Digital & Process Transformation

• Drive digitization of end-to-end journeys including onboarding, renewal, and closure

• Partner with technology teams to enhance LOS/LMS systems and automate workflows

• Improve TAT and customer experience through process simplification and automation

• Lead development and implementation of digital tools and platforms (e.g., onboarding apps, CRM integration)

6. MIS, Analytics & Performance Monitoring

• Design and manage MIS dashboards, KPI frameworks, and performance metrics

• Conduct detailed analytics on business performance, channel productivity, and customer behavior

• Identify gaps and drive data-based interventions for revenue and efficiency improvement

• Forecast growth trends, volumes, and market share opportunities

7. Stakeholder & Cross-Functional Management

• Collaborate with Sales, Credit, Risk, Operations, Technology, Marketing, and Compliance teams

• Act as a central coordination point for product-related initiatives and issue resolution

• Engage with senior leadership on product strategy, performance, and key initiatives

8. Branch Enablement & Capability Building

• Provide structured support to branches on product, policy, and system-related queries

• Develop training content and conduct product training sessions for field teams.pdf)

• Drive adoption of new features, processes, and systems across the network

9. Compliance, Audit & Governance

• Ensure full compliance with RBI guidelines and internal governance frameworks

• Manage audit observations, regulatory queries, and risk controls

• Ensure high audit scores and adherence to policy frameworks

Qualification

• Graduate (B.Com / BBA / Engineering preferred)

• MBA / PGDM (Finance / Marketing) strongly preferred