Product Lead - SME Lending Business (7-12 yrs)

Position Overview:

We are seeking a dynamic and strategic professional to lead our SME (Small and Medium Enterprises) Lending Business product management. The ideal candidate will be responsible for driving the development, enhancement, and performance of SME lending business products while aligning with business objectives. The candidate should demonstrate a strong ability to innovate, manage teams, and achieve measurable outcomes in the SME space.

Key Responsibilities:

- Product Strategy and Development:

- Develop and execute the SME product roadmap to meet business goals and market demands.

- Design innovative SME products, including working capital, term loans, and trade finance solutions.

Portfolio Management:

- Monitor the performance of SME products and implement strategies for growth and profitability.

- Conduct regular market analysis to ensure competitiveness in pricing, features, and services.

Stakeholder Collaboration:

- Work closely with the SME Business team, credit, risk, compliance and operations teams to ensure seamless product delivery.

- Engage with sales and distribution channels to drive product penetration and utilization.

Regulatory Compliance:

- Ensure all SME products comply with regulatory requirements and internal risk frameworks.

- Collaborate with legal and compliance teams for periodic reviews and updates.

Customer-Centric Innovation:

- Identify customer needs and gaps in the market to introduce tailored solutions.

- Enhance customer experience through digital transformation and process improvement.

- Lead and mentor a team of product managers and analysts to achieve departmental goals.

- Foster a culture of innovation, collaboration, and continuous learning.

Qualifications and Experience:

- MBA or equivalent postgraduate degree in finance, business, or related fields.

- 7 to 12 years of experience in SME banking

- Proven expertise in product development, lifecycle management, and portfolio analysis.

- Strong understanding of credit policies, risk management, and regulatory guidelines in the SME domain.

- Excellent communication, analytical, and decision-making skills.