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NATIONAL PRODUCT MANAGER – HOUSING (CORPORATE

Hubli, Karnataka

Ujjivan Financial Services Pvt. Ltd.

Job Description

Drive RPM to identify products, segments and markets for the Housing segment to focus on.
Make RPM formulate area / location specific product programs and policies for growth of the Housing business in line with the objectives set.
To streamline processes in order to achieve seamless roll out of products and enhance customer responsiveness.
To undertake projects and lead cross functional teams for IT related projects to provide solutions for various process improvements.
To develop analytical tools for identifying customers for growing relationships and improving customer stickiness.
To assess and support plans for digital lending initiatives in the Housing business
Undertaking periodic review of the business P&L, identify areas of good performance and improvement, and propose corrective action to ensure budgets and return ratios are met in line with plans for the Housing business.
To review income plans and identify additional sources of revenues and fee income to drive overall profitability of the business.
To Drive RPM in engaging cross sell of products along with Housing loans.
To track performance of the Housing business through MISs on various business and credit parameters like disbursements, # of accounts, fees, delinquencies, productivity and other parameters
To work closely with marketing to develop various marketing schemes and marketing campaigns to enable growth of business

PRIMARY RESPONSIBILITIES :

Business :

To identify products, segments and markets for the housing loan segment to focus on.
To formulate product programs, new products and policies to enable growth of the Housing business.
Drive the implementation of new policies & amendments through proper communication/training to all relevant stakeholders in the organization.
To track performance of the Housing business through MISs on various business and credit parameters like disbursements, # of accounts, fees, PAR, NPAs, productivity and other parameters
To review income plans and identify additional sources of revenues and fee income to drive overall profitability of the business.
To work closely with marketing to develop various marketing schemes and marketing campaigns to enable growth of business
Drive the Digital lending business of Housing
Initiate engagements with Fintech, technology companies, analytics companies, Payment solutions firms, and other similar companies for potential tie-ups for digital lending
Support the Housing Business team to achieve the business numbers for the year
To prepare and finalise yearly business plans in discussion with the Business Head, regional heads, Finance and strategy teams
To chart out the long term 3-4 years plans for the business in consultation with various stakeholders.
To develop performance metrics for driving performance of the team members.
To design contests and other marketing activities to drive performance of the business unit
Keep abreast with latest in Housing loan space with respect to legal and technical aspects and bring that to implementation.
To work along credit team to asses vendors

Customer :

To regularly travel, visit customers, meet connectors and builders and use insights to develop products and processes for better customer satisfaction
To develop analytical tools for identifying customers for growing relationships and improving customer stickiness.
To streamline processes to ensure improvement in TATs and timely delivery of financial services to customers.
To liaise with other business for cross sell opportunities available internally.
To work with RBM for rationalise team strength at locations for maximising productivity.
Engage with Customer and staff to understand the customer and field staff requirements while framing the policies and processes

Internal process :

To visit front-end teams regularly and take feedback on processes and products to identify pain points that need to be addressed.
To identify areas of process improvement and develop plans to improve processes in a time bound manner.
To streamline processes in order to achieve seamless roll out of products and enhance customer responsiveness.
To undertake projects and lead cross functional teams for IT related projects to provide solutions for various process improvements
To ensure that the processes are compliant with internal and external audit requirements and RBI/other regulatory compliances
To set up customer grievance cell as part of housing vertical.

Learning & Performance :

Ensuring that all the employees across the regions are trained on products and processes.
For any new product program and processes being introduced, communicate and train the business and credit teams
Collaborate with training & development team to design & execute training programs on Credit Policies and Processes, Supervision, Collections and Analytics
Identify training needs to support the business and Provide the training with good resources
Ensure goal-setting, midyear review and annual appraisal process happens within specified timelines for self and reportees
Pursue the Executive Programs and Relevant Courses to the team and for the self
Attend Seminars, Summits and Conferences in order to enhance the overall knowledge and to be updated about the industry
Provide Growth opportunities to team members to cross learning and mentoring talent

Company Description


There were many microfinance institutions active in rural India, but very few served... India’s urban population. To bridge this gap, Ujjivan focused on the urban poor. This is a fast growing segment that is relatively new to India’s microfinance industry. Our surveys and interaction with the urban poor show that they are exposed to enormous contingencies and are required to share their meagre resources with neighbors, friends, relatives and colleagues. Hence, there is a tremendous amount of bonding and affinity among them. We have also found that, contrary to popular belief, the urban poor are a stable population. Therefore, the significant difference between the urban and rural population is the lack of time and availability of space in cities.  Read full description

Additional Information

Last updated:
14/06/2018
Job type:
Full time
Position type:
Permanent
Vacancies:
1
Minimum experience:
Between five and ten years
Education:
Compulsory Education
Category:
Jobs in Marketing / Communication / Advertising / PR
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