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Product Manager- Affordable LAP

Product Manager- Affordable LAP

Home Credit IndiaGurugram, Haryana, India
2 days ago
Job description

Objective :

To support the design, execution, and continuous improvement of the Small Ticket LAP (Loan Against Property) product (up to ₹40 Lakhs ticket size). The role focuses on managing product construct, customer journey, risk-policy alignment, and cross-functional delivery while ensuring business scalability, customer satisfaction, and portfolio quality.

Responsibilities

  • Product Design & Development :
  • Support in defining product structure, pricing, eligibility, and disbursal process. Benchmark with market and coordinate LOS / LMS UAT.
  • Customer Journey & Process Improvement :
  • Map digital and physical customer journeys, identify process gaps, and drive SOP updates in collaboration with Tech, Ops, and UX teams.
  • Risk & Policy Coordination :
  • Align with Credit and Risk teams on underwriting policies, surrogate income programs, and track policy exceptions.
  • Performance Monitoring :
  • Track key business KPIs like disbursements, TAT, conversion rates, and early delinquencies; provide actionable insights.
  • Channel & Stakeholder Enablement :
  • Train and support Sales teams and DSAs on product / process queries.
  • Regulatory Compliance :
  • Ensure product alignment with RBI / NBFC guidelines and support audits.
  • Innovation & Enhancements :
  • Drive product / process improvements, pilot new initiatives, and enhance digital journey efficiency.

Qualifications

  • Experience : 5–8 years in Product Management or Secured Lending (LAP / MSME / HL)
  • Education : MBA / PGDM in Finance, Marketing, or related field
  • Domain Knowledge : LAP underwriting, income surrogates, property assessment norms, LOS / LMS workflows, and DSA / channel models
  • Skills : Strong analytical ability, project & stakeholder management, cross-functional coordination, MIS reporting, and understanding of regulatory frameworks
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    Product Manager • Gurugram, Haryana, India

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