Asst. Product Mgr-PL Apply

• PL Product & Policy
Modification of product/ policy parameters based on market dynamics and customer feedback during location, HDFC Bank liability Branch and corporate visits
• Segment wise review for identifying critical impact areas/ locations/ segments and take corrective actions to minimise credit losses and optimizing profits to the Bank
• Running of knowledge series to ensure awareness of product USPs
Managing Approval Rates, TAT & FTNR of Personal Loan and take corrective action to improve
• Yield Management
Formulation and implementation of corporate pricing to ensure effective penetration and optimizing yield
• Increase/ maintain HDFC Bank Salary relationship market share in top corporate through pricing, processes and unique product feature offerings
• Formulation of Pricing and Deviation grid to facilitate appropriate mix of customer acquisition, empowerment to the line teams while maintaining the overall Yield budgets
Develop and implement corporate retention (Salary accounts) through effective and competitive product pricing and increase HDFC Banks market share in the respective corporate salary accounts
• Customisation of product offering and processes through Corporate Loan Program (CLP) to cater to large Corporate
• Meeting top corporate executives for evaluating product offerings and improvisations
Personal Loan Portfolio Management
Analysis of value growth, acquisition and other parameters on health of the portfolio; identify the critical impact areas and locations not meeting objectives
• Developing application scoring models with support from risk analytics unit to improve product offering for the customers and maintain portfolio quality as per Banks risk philosophy
• Regular interaction with National, Zonal and Local Sales team for ensuring appropriate product understanding and resolution of related queries
• Financial Management
Monitoring profitability parameters viz interest income, cost of funds, processing fees, priority sector lending, cost of acquisition, operation cost, NCLs & specific provisioning and ensure efficiency is built in all business dynamics