Product Manager-SALARIED PL AND WORKING CAPITAL-MIS - KMBL

Product Manager | Secured Working Capital| Sr. Manager/ AVP
Business Unit - Business Banking Assets (BBA)
Location - Mumbai
Role Purpose
The Product Manager – Secured Working Capital Loans will be responsible for end-to-end ownership of secured working capital products including Cash Credit (CC), Overdraft (OD), Working Capital Term Loans (WCTL), and collateral-backed WC structures.
The role involves pricing, policy alignment, process optimization, and performance management, while working closely with Credit, Risk, Sales, Operations, Legal, Technology, and Compliance teams to ensure sustainable portfolio growth and strong customer outcomes.
Scope of Ownership
Primary ownership: Secured Working Capital products
Collaborative interface:
Leveraging secured lending experience
Aligning with process, policy and key stakeholders
Cross‑learning on portfolio behavior and risk frameworks
Key Responsibilities
Product Ownership & Strategy
Own the product lifecycle for secured WC products – design, program frameworks, enhancements and rationalization.
Define product positioning, target customer segments, eligibility logic and value proposition.
Drive sustainable portfolio growth with balanced focus on volumes, yield, risk and customer outcomes.
Portfolio, Pricing & Analytics
Own pricing frameworks, ROI logic and profitability levers.
Track portfolio performance across:
Renewals, Portfolio Health, Utilization and churn
Track major Income lines
Use data‑led insights on identifying problems and subsequently resolving issues.
Support complex deal structures
Address product or policy‑related escalations
Incorporate field feedback into product design
Business Enablement & Deal Support
Develop and maintain product notes, FAQs, internal decks and training material for Business and Credit stakeholders.
Process, Journey & Digitization
Work with Operations and Technology teams to:
Simplify transaction and drawls process
Reduce friction in documentation and fund availing processes
Drive journey improvements while maintaining strong credit discipline and compliance.
Track market and competitor trends in secured WC lending and recommend responses.
Who Should Apply
This role is well‑suited for strong internal performers who have built credibility in secured lending and want to influence product strategy on a scale.
Relevant Backgrounds
Experience with:
Credit appraisal or program frameworks
Deal structuring and deviations
Portfolio management or renewals
Customer‑level profitability and risk assessment
Experience & Qualification
3–4 years of overall experience in Business Banking / MSME / Secured Lending
MBA / CA / CFA or equivalent qualification preferred (not mandatory for strong internal candidates)
Skills & Competencies
Functional
Strong understanding of secured lending, collateral and credit economics
Ability to interpret portfolio data and risk trends
Comfort working across Business, Credit and Operations
Behavioral
High ownership mindset
Ability to influence without authority
Structured thinking and clear communication
Commercial acumen with risk sensitivity
Why This Role Is a Strong Career Move
Ownership of core secured WC products, a key growth engine for Consumer Bank
Opportunity to apply in a strategic product role
High visibility with leadership, heads and forums

Work arrangement
No