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CSB Bank

Product Manager - Retail Assets| Mumbai

CSB Bank Mumbai, Maharashtra, India

Banking · 5,001-10,000 employees

Sep 18
product-manager Senior (5-10 yrs) Full-time India
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About the role

The role involves designing, launching, and managing retail lending products while driving digitization and portfolio optimization. You will also be responsible for conducting market research, defining pricing strategies, and collaborating with technology teams to enhance customer experience.

What they look for

Product Management Retail Assets Market Analysis Portfolio Management Regulatory Compliance Profitability Assessment Lending Products Market Research Competitor Benchmarking Pricing Strategy Digitization Automation AI/ML Analytics Digital Lending Cross-selling

Requirements

Candidates must have 8 to 10 years of experience in product management within the banking or retail assets sector. A graduate degree is required, and an MBA is preferred.

Full description

To design, develop and manage banking products and propositions through market analysis, customer insights and business evaluation. The role requires professional judgment in product enhancement, portfolio management, regulatory compliance and profitability assessment while supporting business objectives and customer outcomes.

Responsibilities

  • Develop and execute retail asset product strategies aligned with business goals.
  • Design, launch, and manage lending products across multiple customer segments.
  • Conduct market research and competitor benchmarking.
  • Identify opportunities for product innovation and differentiation.
  • Define pricing strategies, fees and promotional campaigns.
  • Monitor portfolio growth, profitability and asset quality.
  • Analyze disbursement trends, yield, NIM, delinquency and collection performance.
  • Implement portfolio optimization initiatives.
  • Drive cross-sell and upsell opportunities within existing customer base.
  • Drive digitization of lending journeys.
  • Enhance customer experience through automation and straight-through processing.
  • Collaborate with technology teams for product enhancements.
  • Implement AI/ML, analytics and digital lending solutions where applicable.

Qualifications

Experience Range: 8 to 10 years

Qualifications:

Graduate (Any Specialisation) MBA

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