MSME Product Head - Delhi NCR

Product Strategy & Roadmap

• Define the product roadmap for all four MSME product lines
• Conduct competitive benchmarking against NBFCs, PSU banks, and fintechs
• Identify white spaces in the MSME credit market and build business cases for new product variants or customer segments
• Drive digital-first product design: API integrations, workflow automation, borrower self-service portals, and bureau-embedded decisioning.

P&L Ownership & Business Performance

• Own disbursement volumes, AUM targets, yield, net interest margins, and OPEX-to-AUM ratios across all product lines
• Prepare and present monthly MIS, portfolio dashboards, and board-level business reviews
• Drive revenue growth through pricing optimisation, cross-sell strategies, and portfolio deepening with existing borrowers
• Identify cost-efficiency levers in sourcing, processing, and servicing to improve cost-to-income ratios.

Credit Policy & Risk Partnership

• Co-own credit policies, underwriting guidelines, and deviation matrices
• Lead product-level portfolio reviews; define and implement corrective actions for segments showing stress
• Embed early warning signals (EWS) and dynamic risk controls into product eligibility frameworks
• Ensure compliance with RBI MSME lending norms, priority sector guidelines, FLDG caps, and co-lending master directions.

Channel & Distribution

• Build and manage a multi-channel origination engine: direct sales teams, DSAs, digital aggregators, and embedded finance partnerships
• Define channel-specific product variants and incentive structures; monitor channel quality metrics and portfolio behaviour by source
• Develop co-lending and BC partnerships; support due diligence and programme structuring with partner banks.

Technology & Digital Transformation

• Partner with the technology team to digitise the end-to-end lending journey: from lead generation and underwriting to disbursement and collections nudges
• Drive adoption of alternate data sources (GST, banking analytics, utility data, social data) in underwriting models
• Lead digital SCF product development with API-based anchor integration, real-time invoice discounting, and automated collections.

Stakeholder Management & Team Leadership

• Lead and mentor a team of Product Managers, Business Analysts, and Segment Leads across UBL, LAP, EPM, and SCF
• Collaborate with Sales, Risk, Operations, Technology, Legal, Compliance, and Treasury to drive execution
• Represent the MSME product portfolio to investors, rating agencies, co-lending partners, and board-level committees.