Product Manager

Yes Bank Ltd.

Maharashtra

On-site

INR 1,200,000 - 1,800,000

Full time

5 days ago

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Job summary

Yes Bank Ltd. in Mumbai is seeking a Product Manager to oversee portfolio monitoring, risk controls and product policy alignment within Commercial Banking.

The role involves analyzing portfolio trends, coordinating with cross-functional teams and driving improvements in credit policy and lifecycle management. The candidate should bring 2–10 years of experience in credit, portfolio management, or product roles, with strong analytical capabilities and a track record of delivering policy-driven

Qualifications

Minimum CA or MBA with relevant banking/financial services exposure.
2–10 years of experience in credit, portfolio management or product management within banks or fintechs.
Experience in risk, portfolio monitoring, policy or product framework is preferred.

Responsibilities

Maintain operational and credit risk controls over sanctioned and disbursed portfolios.
Monitor delinquency trends across locations, profiles, programs, products and other parameters.
Analyze portfolio trends and propose policy or program modifications based on insights.

Skills

Customer focus

Quality focus

Entrepreneurship

Drive for results

Influence and impact

Integrity

Analytical thinking

Data interpretation

Education

CA/MBA

Job description

SECTION I: ROLE INTRODUCTION

Outlines the basic information of the role.

SECTION I: ROLE INTRODUCTION

Outlines the basic information of the role.

Job Title
Product Manager

Reporting To
Senior Product Manager or Head Product & Portfolio

Job Code ID
COB3G66EE

Business Unit
Commercial Banking

Grade/ Level
G6 to G10

Sub Business Unit
Product and Portfolio Management

Management Band
Junior Management

Location
Mumbai

SECTION II: JOB ROLE SCOPE

Outlines the count of employees reporting and financial metrics of the role.

Number of Direct Reports
NA

Financial Metrics (Budget, Revenue, etc.)

Cost Centre
NA

Total Team Size
NA

SECTION III: PURPOSE OF THE ROLE

A two-to-three-line statement outlining the objective or the reason for which the job exists.

Portfolio and Risk Monitoring

SECTION IV: KEY RESPONSIBILITIES & KPIS OF THE ROLE

Responsibilities

KPIs

Core Responsibilities

Maintaining operational and credit risk controls over sanctioned and disbursed portfolio by effectively applying monitoring tools.
Monitoring portfolio to assess delinquency trends across various locations, profiles, programs, products, other parameters.
Analyzing trends regularly to understand overall portfolio behavior and also reasons for defaults by individual customers/ segments and accordingly suggesting appropriate modifications in policy, programs etc. based on trends observed.
Competition benchmarking (peers and industry level) and tracking portfolio trends which will help in improving product and policy framework.
Maintaining, enhancing and managing the Early Warning System (EWS) mechanism.
Designing and developing various portfolio decks for the monitoring of portfolio – delinquency, repayment and outstanding segment wise, disbursements and sanctions across various critical parameters and demography.
Deriving and highlighting analytical insights from the portfolio monitoring to senior management and stakeholders in order to augment policy decisions across various parameters like demography, customer segments, industry, etc.
Planning, developing and executing reporting activities that would help in managing the credit perspective through various analytical approaches
Preparing review notes and presentations for senior stakeholders
Handling internal and regulatory audit which includes circulating and highlighting summary findings to senior management
Coordinating with various internal stakeholders for arranging data availability for effective review and monitoring purposes
Hind-sighting of credit policy implementation
Training to front-line team
Portfolio house- keeping
Complaint management /resolution providing to ground team related to all program and guidelines
Business development and lifecycle management of RMs including driving knowledge management & KPI driving for SME segment teams
Maximize Income/Revenue
Adhering to YES personality guidelines focus on own skills and knowledge development
Automate Manual Tasks
Servicing of SME Customers