Assistant Vice President, Product Manager, Small Medium Enterprises.

DBS Bank; Mumbai City; On-site; INR 800,000 - 1,500,000; Full time

Benefits offered by this job

Competitive salary

Dynamic work environment

Professional development opportunities

Job summary

An established industry player is seeking a dynamic Assistant Vice President, Product Manager for Small Medium Enterprises. This role is pivotal in driving product management and overseeing credit programs, particularly in the emerging Ecosystem/B2S Lending space. The ideal candidate will leverage their expertise in product management, lending, and trade finance to create and implement strategies that enhance the lending journey. This position offers a unique opportunity to collaborate with various stakeholders, ensuring timely execution and compliance while fostering innovative solutions in a fast-paced environment. If you are passionate about shaping the future of SME lending, this role is for you.

Qualifications

• 6-8 years of relevant experience in product management and lending.
• Proficiency in MS Office tools is essential.

Responsibilities

• Manage product and credit programs for SME lending and alternate lending.
• Ensure compliance with digital lending guidelines and risk controls.

Skills

Product Management

Lending

Trade Finance

Digital Implementation

Communication Skills

Organising Skills

Interpersonal Skills

Education

MBA in Finance/Marketing

CA

CFA

Tools

MS Word

MS PowerPoint

MS Excel

Job description

Job Description - Assistant Vice President, Product Manager, Small Medium Enterprises. (WD71256)

Business Function

Corporate and Investment Banking provides corporate customers with a full range of Commercial banking products and services including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans, and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development, and rigorous credit standards.

Job Purpose

The position exists as there is now complete market opportunity that is emerging around Ecosystem/B2S Lending which requires dedicated Product support from Policy/Process/Monitoring and journey standpoint.

Key Accountabilities

1. Responsible for overall product management & managing Credit program/policies of SME lending, Alternate Lending programs (Ecosystem led partnerships) & Big-to-small, related programs (SCF, Anchor led).
2. Design & manage SOPs on E2E lending journey with adequate risk controls.
3. Overall portfolio management of the Credit programs including monitoring of triggers & caps.
4. Management of adherence of Digital lending guidelines & ensuring applicable program compliance.
5. Support in digital implementation of the lending journeys.

Job Duties & Responsibilities

1. Creation of E2E SOP for Alternate lending programs for various use cases i.e. Ecosystem / Co-lending/ B2S.
2. Creation of credit programs for SME lending and commercialization of the same.
3. Work closely with Ecosystem team and other relevant stakeholders to ensure timely go-live of lending programs under the partnerships.
4. Work with various stakeholders to ensure NPA / ESPORA / ORR / SOP approvals as applicable for the various partnerships.
5. Overall manage the portfolio management working with RMG-Credit and CPRAM for portfolio triggers and caps, delinquency management, and hygiene.
6. Support in setting up of early warning & other necessary risk controls for Alternate Lending & Co-lending policies.
7. Work closely with partners for embedded streamlined customer journey, product delivery, close monitoring, and governance.
8. Collaborate with Product Manager (SFW) to build the digital journeys of these credit programs/partnerships on an ongoing basis (i.e. write user stories, modify existing journeys, incorporate partner feedback).
9. Support the coverage team for successful commercialization of partnerships for scale-up of asset customers.
10. Devise customized training programs for the front line for effective sales & marketing of Alternate Lending programs.
11. Build feedback loop with partner/coverage team for improvement.

Required Experience

The candidate should have 6-8 years’ minimum overall relevant experience. Experience in Product Management, lending, trade finance, and digital is preferred.

Education / Preferred Qualifications

MBA- Finance/Marketing /CA/CFA – preferred from Tier-1 institute.

Core Competencies

1. Job Knowledge: The job holder should be a fast learner in the job.
2. Organising Skills: The job holder needs to be organised to meet conflicting deadlines.
3. Proactive: To understand system implementations and grasp changes faster.
4. Communication Skills: The job holder needs to have effective verbal as well as written communication skills.
5. Interpersonal Skills: The job holder needs to liaise with various stakeholders (internal and external).
6. The candidate should be proficient in MS-Word, PPT, and Excel.

Work Relationship

To work with:

1. External: Ecosystem partners.

DBS India - Culture & Behaviors

Should be able to demonstrate a high degree of PRIDE values – Purposeful, Innovative, and Decisive.

Apply Now

We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognizes your achievements.

Primary Location

Job

Job

: Product Management

Schedule

Schedule

: Regular

Employee Status

Employee Status

:

Full-time

Job Posting

Job Posting

: Feb 3, 2025, 11:09:13 AM