Product Head - Assets

Role Purpose

Lead the retail banking assets portfolio (Personal Loans, Auto Loans, Mortgages) with full accountability for product development, end-to-end launches, P&L management, retention strategies, and portfolio optimization . Drive digital financing initiatives to deliver fast, paperless, and customer-centric lending experiences.

Key Responsibilities

• End-to-End Product Launches
• Conceptualize, design, and deliver new retail asset products and enhancements.
• Own business case, pricing, risk alignment, tech build, and go-live execution.
• Lead launch campaigns across digital and physical channels.
• P&L Management
• Full ownership of revenue, yield, cost, and loss rates for retail assets portfolio.
• Monitor and optimize loan yield , NIM, and profitability metrics.
• Portfolio Management & Retention
• Conduct regular portfolio analytics : vintages, roll rates, delinquency trends.
• Implement retention strategies (top-ups, balance transfers, loyalty programs).
• Drive corrective actions based on data insights.
• Digital Financing
• Build and enhance digital lending journeys (eKYC, instant decisioning, STP).
• Integrate APIs and fintech partnerships for acquisition and servicing.
• Compliance & Risk Alignment
• Ensure adherence to regulatory requirements and credit policies.
• Collaborate with Risk, Tech, Ops, and Marketing for seamless delivery.

Mandatory Expectations

• 10+ years in retail banking assets (Personal Loans, Auto Loans, Mortgages).
• Proven end-to-end product launch experience (not just rate changes or rebrands).
• Strong P&L ownership and portfolio management expertise.
• Experience in digital lending and tech-enabled product delivery.
• Demonstrated ability to retain customers and grow portfolio sustainably.
• Advanced knowledge of portfolio analytics (vintage analysis, roll rates, delinquency management).

Preferred Skills

• Expertise in digital origination , instant decisioning, and STP.
• Strong understanding of credit risk policies , scorecards, and regulatory frameworks.
• Leadership experience managing cross-functional teams.
• Data-driven decision-making and advanced analytical skills.

KPIs

• Portfolio growth and yield improvement.
• Approval rate, TAT reduction, and STP percentage.
• Delinquency and NPL control.
• Digital adoption and conversion metrics.
• Retention and cross-sell performance.