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Job Description & How to Apply Below
Role Purpose
Lead the retail banking assets portfolio (Personal Loans, Auto Loans, Mortgages) with full accountability for product development, end-to-end launches, P&L management, retention strategies, and portfolio optimization
. Drive digital financing initiatives to deliver fast, paperless, and customer-centric lending experiences.
- End-to-End Product Launches
- Conceptualize, design, and deliver new retail asset products and enhancements.
- Own business case, pricing, risk alignment, tech build, and go-live execution.
- Lead launch campaigns across digital and physical channels.
- P&L Management
- Full ownership of revenue, yield, cost, and loss rates for retail assets portfolio.
- Monitor and optimize loan yield
, NIM, and profitability metrics. - Portfolio Management & Retention
- Conduct regular portfolio analytics
: vintages, roll rates, delinquency trends. - Implement retention strategies (top-ups, balance transfers, loyalty programs).
- Drive corrective actions based on data insights.
- Digital Financing
- Build and enhance digital lending journeys (eKYC, instant decisioning, STP).
- Integrate APIs and fintech partnerships for acquisition and servicing.
- Compliance & Risk Alignment
- Ensure adherence to regulatory requirements and credit policies.
- Collaborate with Risk, Tech, Ops, and Marketing for seamless delivery.
- 10+ years in retail banking assets (Personal Loans, Auto Loans, Mortgages).
- Proven end-to-end product launch experience (not just rate changes or rebrands).
- Strong P&L ownership and portfolio management expertise.
- Experience in digital lending and tech-enabled product delivery.
- Demonstrated ability to retain customers and grow portfolio sustainably.
- Advanced knowledge of portfolio analytics (vintage analysis, roll rates, delinquency management).
- Expertise in digital origination
, instant decisioning, and STP. - Strong understanding of credit risk policies
, scorecards, and regulatory frameworks. - Leadership experience managing cross-functional teams.
- Data-driven decision-making and advanced analytical skills.
- Portfolio growth and yield improvement.
- Approval rate, TAT reduction, and STP percentage.
- Delinquency and NPL control.
- Digital adoption and conversion metrics.
- Retention and cross-sell performance.
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