Head Product

James Douglas (India); Mumbai; On-site; INR 9,000,000 - 15,000,000; Full time

Job summary

James Douglas is seeking a senior product leader to drive its retail assets strategy across secured and unsecured lending. The role also supports the enterprise-wide cross-sell agenda to improve customer penetration and wallet share.

You will build and lead a high-performing product team, partnering with Risk, Credit, Finance, Operations and Technology to align priorities and deliver sustainable portfolio growth.

Qualifications

• 20+ years of experience in Product Management and Distribution within large NBFCs.
• Strong understanding of secured and unsecured lending products, profitability, pricing, analytics.
• Experience in balance sheet management and portfolio growth.
• Proven track record leading enterprise-wide cross-sell initiatives and customer value management.
• Exposure to ecosystem partnerships, product innovation and digital transformation.
• Leadership, strategic thinking and stakeholder management capabilities.

Responsibilities

• Define and drive the retail assets product strategy, portfolio architecture and customer propositions across secured and unsecured lending.
• Own product portfolio performance including balance sheet growth, revenue, margins and profitability.
• Lead enterprise-wide cross-sell strategy to improve customer penetration, wallet share, retention and lifetime value.
• Drive product innovation, digital enablement and ecosystem-led propositions for customer experience and efficiency.
• Identify and develop strategic partnerships and new growth opportunities.
• Ensure product strategies align with risk, governance and regulatory requirements.
• Build and lead a high-performing product team with analytics and governance capabilities.
• Partner with Business, Risk, Credit, Finance, Operations and Technology teams to align priorities.

Skills

Analytics

Balance Sheet Management

Cross-sell Strategy

Customer Propositions

Customer Value Management

Digital Enablement

Ecosystem Partnerships

Governance

Leadership

Portfolio Architecture

Portfolio Growth

Portfolio Performance Management

Pricing

Product Innovation

Product Management

Product Strategy

Regulatory Compliance

Risk Management

Stakeholder Management

Strategic Thinking

Job description

Brief About the Client
One of our clients, a leading financial services organisation is looking to hire a senior product leader to drive its retail asset product strategy across secured and unsecured lending businesses, along with the enterprise-wide cross-sell agenda.

Responsibilities:

• Define and drive the retail assets product strategy, portfolio architecture and customer propositions across secured and unsecured lending businesses
• Own product portfolio performance, including balance sheet growth, revenue, margins and overall profitability
• Lead the enterprise-wide cross-sell strategy to improve customer penetration, wallet share, retention and customer lifetime value
• Drive product innovation, digital enablement and ecosystem-led propositions to enhance customer experience and operational efficiency
• Identify and develop strategic partnerships and new growth opportunities to strengthen the business
• Ensure product strategies and customer propositions align with the organisation's risk appetite, governance standards and regulatory requirements
• Build and lead a high-performing product team with strong capabilities in product management, analytics, innovation and governance
• Partner with Business, Risk, Credit, Finance, Operations and Technology teams to align product priorities with business objectives

Qualifications:

• 20+ years of experience in Product Management and Distribution, specifically across retail asset products within large NBFCs
• Strong understanding of secured and unsecured lending products, product profitability, pricing, customer analytics and portfolio economics
• Experience in balance sheet management and driving sustainable portfolio growth
• Proven experience in leading enterprise-wide cross-sell initiatives and customer value management
• Exposure to ecosystem partnerships, product innovation and digital transformation
• Strong leadership, strategic thinking and stakeholder management capabilities

Skills

Analytics, Balance Sheet Management, Cross-sell Strategy, Customer Propositions, Customer Value Management, Digital Enablement, Ecosystem Partnerships, Governance, Leadership, Portfolio Architecture, Portfolio Growth, Portfolio Performance Management, Pricing, Product Innovation, Product Management, Product Strategy, Regulatory Compliance, Risk Management, Stakeholder Management, Strategic Thinking