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Gold Loan Portfolio Manager
Gold Loan Portfolio ManagerPiramal Finance • Republic Of India, IN
Gold Loan Portfolio Manager

Gold Loan Portfolio Manager

Piramal Finance • Republic Of India, IN
7 hours ago
Job description

Key Responsibilities :

Product Management

  • Developing New Products, schemes, incentive structure and modification in existing products in the gold loan segment
  • Approval, Rollout & Training of new product and schemes to all stakeholders.
  • Portfolio management and managing product features.
  • Managing product and process strategy for gold loan– also help imagine products with different models for acquisition (e.G. product offerings through various channel tie-ups)
  • Monitoring performance and profitability of schemes and products.
  • Conceptualization and executing marketing activities for increasing direct business.
  • Liaising with stakeholders across different teams (policy, operations, risk, compliance, marketing etc.) for the product team.

Process, Policy Management

  • Work along with other stakeholders to create & streamline the process with a Digital First approach
  • Work along with Policy & Credit teams to bring about changes in policy as required
  • Sales Support & Channel Development

  • Developing new business channels, including alternate and Digital
  • Designing & implementing campaigns, sales contests and programs to grow business
  • Supporting the sales teams in their various requirements
  • Meeting key stakeholders like Channel Partners, Online Aggregators to get their feedback
  • Performance Management

  • Managing the internal sales team and external channel partners for acquiring business and P&L responsibility.
  • Preparing hiring strategy, scorecard and ensuring increase in productivity of the team.
  • Setting targets basis budgets, cost and revenue and to design incentive strategy for contests for the internal sales team and third party channel.
  • Ensuring audits, compliance and sales errors are within the necessary guidelines
  • Competition Benchmarking

  • Maintain data on competition and external market and suggest suitable modifications
  • Special Projects

  • Design & Develop various functionalities as per requirement
  • Strategic Initiatives

  • Analyzing MIS and Analytics to give high level inputs and strategy to the senior management to implement initiatives.
  • Responsible for designing strategy for resource allocation, new tie ups, cross selling campaigns through referrers, policy and process improvement.
  • Understand application processing for gold loan across different operating models and look to recommend possible improvement
  • Portfolio Attrition Management

  • Responsible for portfolio attrition and re-alignment of strategy.
  • Portfolio planning and trend analysis
  • Managing customer interactions and escalations
  • Training

  • Conduct and execute training programs for sales teams on the product offerings
  • Handle sales support, budgeting, campaigns for the product / business
  • Essential Qualifications & Experience :

  • Graduate from any stream, MBA would be preferred
  • 6-10 years of relevant experience in gold loan industry
  • 3+ years of experience on product management
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    Portfolio Manager • Republic Of India, IN

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