01Overview
Role purpose
To own and improve the end-to-end digital personal loan product journey, driving application-to-disbursement conversion, customer experience, product delivery, analytics and coordination across Business, Credit, Risk, Technology, Operations and Compliance.
Job Location
Gurugram (Haryana)
Salary
Up to 6lac Annual
Industry
NBFC / FinTech / BFSI
Key Responsibilities
Product Ownership
Own the digital personal loan app product and maintain the product roadmap.
Prioritize features based on business impact, customer experience, risk, compliance and development effort.
Manage registration, KYC, PAN, income, bank verification, bureau, eligibility, offer, e-sign, mandate, approval and disbursement journey.
Digital Loan Journey
Identify customer drop-offs and improve application-to-disbursement conversion.
Prepare BRD, PRD, user stories, process flows, business rules and acceptance criteria.
Coordinate with developers, QA, LOS/LMS teams and API/integration vendors.
Credit & Risk
Implement approved credit, eligibility, FOIR, bureau and risk rules in the digital journey.
Track KYC, bureau, bank verification, e-sign, NACH, payment and fraud/risk API performance.
Prepare UAT cases, coordinate testing, defect resolution, sign-off and production release.
Analytics & MIS
Track applications, KYC, approval, offer acceptance, e-sign, mandate, disbursement, TAT and drop-offs.
Improve app usability, document upload, offer, e-sign, mandate, disbursement and repayment experience.
Coordinate customer disclosures, consent, audit trails and approved compliance requirements.
Stakeholder Management
Coordinate Business, Credit, Risk, Operations, Collections, Finance, Compliance and Technology.
Prepare and maintain a 612 month digital personal loan product roadmap.
KPI
Application-to-disbursement conversion.
TAT & funnel drop-off reduction, API / technical failure reduction
Product MIS accuracy & timeliness
Knowledge
Stakeholder Management
Industry Trends
Skills
Excel, BR .
