Product Manager-SALARIED PL AND WORKING CAPITAL-MIS - KMBL
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Protocol Intelligence
Data-driven signals on your job's competitivenessTier-1 brand, metro location, common Product Manager title, and mid-level (3–4 years) experience increase applicant competition.
Role requires secured lending, credit and banking domain expertise, making cross-industry transferability low.
Explicit 3–4 year requirement plus mandatory secured lending and banking domain experience raises filter strictness.
Job Description
Structured overview of role & requirementsAbout This Role
End-to-end ownership of secured working capital products including Cash Credit, Overdraft, Working Capital Term Loans, and collateral-backed structures.
Responsible for product lifecycle management: design, pricing, policy alignment, process optimization, performance tracking, and portfolio growth with focus on volume, yield, risk, and customer outcomes.
Collaborate with Credit, Risk, Sales, Operations, Legal, Technology, and Compliance teams to enhance product strategy, simplify processes, and maintain credit discipline.
Minimum Requirements
3–4 years experience in Business Banking, MSME, or Secured Lending.
Strong understanding of secured lending, collateral, and credit economics.
Relevant product experience with credit appraisal, deal structuring, portfolio management, or profitability and risk assessment.
Preferred qualifications: MBA, CA, CFA, or equivalent (not mandatory for strong internal candidates).
Ideal Candidate Profile
Experienced in secured lending with credibility in credit appraisal, program frameworks, and portfolio management.
Able to work cross-functionally across Business, Credit, and Operations teams to influence product strategy and process improvements.
Demonstrates ownership and commercial acumen with sensitivity to risk, leveraging data-driven insights for decision making.