Product Lead - Small Business Enterprise and Business Loans

Product Lead-Small Business Enterprise-MIS - KMBL

Job description – Product, Policy & Process Lead – Small Business enterprises and Business Loans

DepartmentSmall Business enterprises and Business Loans – SBE & BLLocationMumbai, BKCNumber of Positions1Position GradeM7/M8

 

 

• Develop and manage the suite of Business Loan & Working Capital products.
• Define product positioning, pricing strategies, features, and value propositions. 
• Conduct market and competitor analysis to identify product enhancements and new opportunities. 
• Drive product lifecycle management—from ideation to launch and continuous improvement. 
• Periodically review credit policies, underwriting standards, and eligibility criteria. 
• Establish guidelines for:  Risk assessment frameworks, Financial analysis norms ,Industry/segment exposure limits etc.
• Collaborate with Risk/Credit teams to balance portfolio growth vs. asset quality (NPA control). 
• Monitor portfolio performance and revise policies based on delinquencies, early warning signals, and market conditions.
• Map and streamline end-to-end loan lifecycle processes.
• Drive process standardization, automation, and digitization for faster turnaround time (TAT). 
• Work closely with technology teams to build LOS (Loan Origination Systems) and workflow tools. 
• Implement best practices for customer onboarding, documentation, and verification. 
• Identify bottlenecks and continuously improve operational efficiency.
• Act as a bridge between business, risk, and operations to ensure alignment.
• Design customer-centric loan journeys and Process with minimal friction
• Manage Audit and Compliance.

 

 

• Growth in business loan and SBE portfolio (volume & value) 
• Improvement in portfolio quality (lower NPAs/delinquency) 
• Reduction in loan processing TAT 
• Product profitability (ROA/ROE targets) 
• Simplification of processes and automation. 
• Compliance and audit metrics.

 

 

 

 

 

 

• MBA/PGDM in Finance, Banking, or related field (preferred) 

              8–15+ years of experience in: 

• Experience in Business loans / MSME/SME lending
• Product management or credit policy roles
• Strong understanding of credit underwriting, financial analysis, and risk frameworks 
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• Experience in process re-engineering and digital transformation is an advantage

 

Experience Level

Senior Level