Trade Advance - Manager (TW Loan)

Home Credit India; Gurugram District; On-site; INR 1,100,000 - 1,800,000; Full time

Job summary

Home Credit India is seeking a results-driven Product & Program Manager to own the end-to-end Trade Advance offering for the two-wheeler dealer ecosystem. You will shape strategy, drive program management, and coordinate across Credit, Risk, Operations, and Technology to grow portfolio profitability.

Responsibilities include defining roadmaps, launching dealer funding programs, enhancing dealer journeys, and delivering analytics dashboards to senior management.

Qualifications

• MBA/PGDM preferred.
• 3-5 years of experience in Dealer Finance, Trade Finance, Vehicle Finance, or Lending Products.
• Strong experience in Product Management, Program Management, and Sales Enablement.
• Good understanding of lending technology platforms and portfolio analytics.

Responsibilities

• Own the Trade Advance product roadmap, policies, pricing, and dealer propositions.
• Design and launch dealer funding, inventory financing, and working capital programs.
• Continuously enhance product features, dealer journeys, and operational processes.
• Develop OEM and dealer financing programs.
• Track program utilization, profitability, and portfolio performance.
• Coordinate with Credit, Risk, Operations, and Technology teams for successful implementation.
• Act as business owner for LOS, LMS, dealer portal, and digital onboarding enhancements.
• Drive automation, API integrations, workflow digitization, and STP initiatives.
• Prepare business requirements, user stories, and UAT sign-offs for product releases.
• Partner with sales teams to drive dealer acquisition, activation, and limit utilization.
• Track funnel metrics, disbursements, utilization, and business productivity.
• Monitor portfolio growth, profitability, utilization, and asset quality.
• Recommend policy and program changes based on portfolio performance.
• Ensure adherence to risk, compliance, and governance standards.

Skills

Product Management

Program Management

Sales Enablement

Portfolio Analytics

Education

MBA/PGDM

Tools

Dashboard tools

CRM systems

Job description

Own and drive the end-to-end Trade Advance product for the two-wheeler dealer ecosystem, including product strategy, program management, technology enablement, sales growth, portfolio performance, and profitability.

Key Responsibilities

Product Management

• Own the Trade Advance product roadmap, policies, pricing, and dealer propositions.
• Design and launch dealer funding, inventory financing, and working capital programs.
• Continuously enhance product features, dealer journeys, and operational processes.

Program Management

• Develop and manage OEM and dealer financing programs.
• Track program utilization, profitability, and portfolio performance.
• Coordinate with Credit, Risk, Operations, and Technology teams for successful implementation.
• Act as business owner for LOS, LMS, dealer portal, and digital onboarding enhancements.
• Drive automation, API integrations, workflow digitization, and STP initiatives.
• Prepare business requirements, user stories, and UAT sign-offs for product releases.

Sales Drive & Business Growth

• Partner with sales teams to drive dealer acquisition, activation, and limit utilization.
• Execute sales campaigns and dealer engagement programs to accelerate portfolio growth.
• Track funnel metrics, disbursements, utilization, and business productivity.
• Support regional teams through product training, program communication, and market insights.
• Monitor portfolio growth, profitability, utilization, and asset quality.
• Recommend policy and program changes based on portfolio performance.
• Ensure adherence to risk, compliance, and governance standards.

Analytics & Stakeholder Management

• Develop MIS and dashboards to track key business KPIs.
• Work closely with Sales, Credit, Risk, Technology, Operations, Finance, and OEM partners.
• Present portfolio performance and strategic initiatives to senior management.

Key KPIs

• Trade Advance AUM Growth
• Disbursements
• Active Dealers
• Revenue & Profitability
• STP %
• TAT Reduction
• Portfolio Quality & Delinquency

Experience & Qualification

• MBA/PGDM preferred.
• 3-5 years of experience in Dealer Finance, Trade Finance, Vehicle Finance, or Lending Products.
• Strong experience in Product Management, Program Management, and Sales Enablement.
• Good understanding of lending technology platforms, dealer ecosystems, and portfolio analytics.