Product Manager

Role & responsibilities

1. Product Strategy & Management

• Own the product lifecycle from ideation to launch and ongoing enhancement.
• Develop product roadmaps aligned to customer needs, market opportunities, and business objectives.
• Conduct competitive benchmarking and identify opportunities for differentiation.
• Define product features, pricing, benefits, eligibility, and customer value propositions.

2. Business Growth & Portfolio Management

• Drive customer acquisition, balances, revenue, and profitability targets.
• Monitor portfolio health across acquisition, activation, engagement, retention, and profitability metrics.
• Identify growth opportunities through partnerships, new features, and customer programs.
• Build and execute initiatives to improve product penetration and customer deepening.

3. Customer Experience & Journey Ownership

• Map and optimize end-to-end customer journeys.
• Improve onboarding, activation, servicing, and engagement experiences.
• Monitor NPS, complaints, service quality, and digital adoption metrics.
• Drive customer-centric enhancements to improve satisfaction and retention.

4. Digital & Analytics

• Leverage customer, behavioural, and portfolio analytics to drive product decisions.
• Define business requirements for digital journeys across mobile, internet banking, and assisted channels.
• Track funnel conversion, drop-offs, and campaign effectiveness.
• Drive data-led experimentation and optimization initiatives.

5. Project & Stakeholder Management

• Lead cross-functional execution involving Technology, Operations, Compliance, Legal, Risk, Marketing, Analytics, and Sales teams.
• Manage product launches, enhancements, regulatory changes, and strategic projects.
• Ensure timely delivery of initiatives within agreed timelines and budgets.

6. Risk, Compliance & Governance

• Ensure adherence to RBI guidelines, internal policies, and regulatory requirements.
• Manage audits, compliance observations, customer grievances, and control frameworks.
• Identify and mitigate operational, regulatory, and reputational risks.

7. Performance Monitoring

• Own key business and operational dashboards.
• Present performance updates and strategic recommendations to senior leadership.
• Drive corrective actions to achieve business objectives.

Preferred candidate profile

• 6 to 10 years of banking, fintech, payments, liabilities, lending, cards, wealth, or digital product management experience.
• Proven experience in product launches, portfolio management, business growth, or customer experience initiatives.
• Experience working with technology and analytics teams.