Product Manager, Gold Loans

Business Function
As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business – they were made just right for you.

Job Purpose

Gold Loan is one of the Flagship Products for DBS Bank and the job involves working in Gold Loan Product Team as one of the Senior Members owning the Product Initiatives and the entire gamut of Product Management Function covering Projects, Systems and Process Integration, New product launches, Budgeting, Audit & Compliance. This Job provides an opportunity to work closely with Senior Leaders and create Innovative solutions for generating new Business opportunities.

Key Accountabilities

•Own all key new initiatives from inception to launch (such key new initiatives could include New Product, New Product variant or Process/Channel Improvement).

•Co-ordinate with all country and regional stakeholders to ensure all new initiatives are delivered as per deadlines

•Manage End to End Gold Loan System Integration – including designing of SOPs /Customer & User Journeys and Working closely with Platform Owners to ensure smooth roll out.

•Proactively and regularly interact with Peers, Channels/ Branches to be updated with Market Intelligence and provide timely inputs on Latest developments.

•Handle all Internal as well as External Audit and Internal Governance related observations and requirements.

•Working closely with Finance and Other stakeholders on Product Profitability, Planning, Forecasts and Budgeting activity

•Streamline Gold Loan Processes to improve stakeholder Journey as well as Customer Journey

•Ownership of all Cross Sell Initiatives for the Gold Loan Vertical

Job Duties & responsibilities

•Handle Process Improvements, Customer Journey have Gold Loan Operations Expertise, experience in LOS/Finacle and handle System integration/enhancements

•handle all Internal Compliance/Audit/ Governance related queries/responses and updates to various stakeholders & compliances

•Support in preparation of Notes and Documents related to Forums & Committees

•Custodian of Budgets, Monitoring Portfolio Trends, monitor P&L and Costs

Required Experience

10-15 years of experience in Retail Banking/Product Management of Retail Assets/ and last experience of 5-7 years in Gold Loan Product Management

Education / Preferred Qualifications

Post-Graduation / MBA

Core Competencies

•Leadership, problem solving and conflict resolution skills

•Project Management

•Strong domain knowledge in gold loans

Technical Competencies

Excellent in Excel, PowerPoint

Work Relationship

Work closely with NDS, COO, Finance, RMG, Technology, Audit teams

DBS India - Culture & Behaviors

•Drive performance through Value Based Propositions

•Build pride and passion to protect, maintain and enhance DBS' image and reputation

•Enhance knowledge base, build skill sets & develop competencies

•Invest in team building & motivation through ideation & innovation

•Execute at speed while maintaining error free operations

•Develop a passion for performance and grow the talent pool

•Maintain the highest standards of honesty and integrity