Business Product Manager - Personal Loans - IIM/FMS/MDI/XLRI

Job Description

About the team: We are an end-to-end tech enabled credit platform providing seamless credit access to customers. Our capabilities extend from fully digitized customer on boarding, seamless in-app to real times offers for We partner with financial institutions and leverage the insights we gather through our ecosystem design and offer innovative and customized financial products to our consumers and merchants. Personal loans: We offer 24x7x365 small ticket cash out loans, especially targeted towards new to credit borrower, fulfilling their instant fund requirements and discretionary spends, Merchant Loans: We offer Merchant cash advance, which are unsecured business loans that leverage the transaction history of the merchant and our unique credit scoring system. We offer co-branded credit cards (in partnership with leading commercial banks in India) catering to varied consumer segments, by leveraging transaction history of a user on our platform to digitize the entire credit card experience on the our app, from the application process to tracking and issuance of the credit card. About the role: We are looking for a Business Product Manager who can be involved in designing new products and their implementation. Expectations/Requirements:1. Work with Business Head to formulate business strategy across product lines.2. Lead discussions on and work across teams to meet business projections across # of Loans, Disbursements, revenue, profitability and manage portfolio economics.3. Actively participate in and drive commercial negotiations.4. Ability to build annual operating plans & business (volume and revenue) forecasts.5. Undertake various initiatives towards achieving business goals in discussion with Risk, Collections, Product, Tech, Finance, Help Desk, Field Teams, etc.6. Conduct existing Product Benchmarking, competition mapping and update the same on an ongoing basis.7. Suggest New Product Ideas to meet customer requirements.8. Identify areas for process improvement & create detailed SoPs and BRDs in discussion with relevant stakeholders.9. Implement relevant MIS for Business Health Monitoring and assist Business Head in conducting efficient reviews. Support various functions to ensure that appropriate follow-up action is taken in a timely manner.10. Support Business Head in building alliances with Banks, NBFCs, Credit Bureaus, etc. for key components such as commercials, business budgets, legal agreements, etc.11. Work closely with various functions including Risk, Collections, Product, Tech, Finance, Help Desk, Field Teams, etc. for smooth operations.12. Adherence of statutory compliances as applicable and ensure compliance to corporate policies and regulations.13. Manage external partner relationships for efficiency and deeper engagement. Own day to day operating relationships with such partners Superpowers/Skills that will help you succeed in this role: 1. Someone with 10+ years of relevant experience in BFSI / Consumer internet industry (preferably lending) in similar roles in B2C assets, understand P&L as well as done program management.2. MBA from Tier 1 Business school Immense resolve to achieve ambitious targets 3. Tenacious & mature with high degree of perseverance and collaborative approach to navigate internal and external stakeholders/ ecosystem.4. Proficient in PowerPoint and Excel5. Prior experience of working cross functionally with multitude of stakeholders.6. Basic understanding of product and risk management7. Must be data-driven with strong problem solving and analytical skills8. A high degree of ownership in taking things to completion9. Ability to multitask and work on a diverse range of requirements10. High attention to detail 11. Excellent communication skills with the ability to handle complex negotiations Why join us: 1. A collaborative output driven program that brings cohesiveness across businesses through technology 2. Improve the average revenue per use by increasing the cross-sell opportunities3. A solid 360-degree feedback from your peer teams on your support of their goals4. Respect, that is earned, not demanded from your peers and manager Compensation: If you are the right fit, we believe in creating wealth for youWith enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants - and we are committed to it. Indias largest digital lending story is brewing here. Its your opportunity to be a part of the story!,

Keyskills :
product developmentsalesproblem solvingbusiness strategyproduct management