Product Manager-Working Capital-MIS - KMBL

Position Title : Product Manager – Subsidy Programs (Will align with Channel Team for Role)

Purpose of the Position

To create and drive programs around subsidy(ies) that aligns with the overall business objectives and equip customer acquisition, create tailored funding solutions incorporating subsidy elements, processing and administering subsidies seamlessly for customers.  Create and maintain a conducive environment among various stakeholders, internal and external, building capabilities for the bank to harness subsidy related benefits for Bank’s customers.

Roles and Responsibility

• Create-Maintain-Update programmes / notes on various Government subsidies at State and Central Level.
• Processing the Customer requests and maintaining MIS / Reports of requests received / processed / status.
• Highlight non-adherence or delay in response from stakeholders to immediate superiors for support 
• Adopt and drive best practices / processes to ensure reduction in TAT / Errors / Compliance gaps.
• Display ownership in handling service requests of customers, providing end to end solutions, improving NPS.
• Timely action on open applications; period review of open items and refining of processes.
• Diligently comply to the regulatory practices and Bank’s processes/protocol;
• Adopt best practices addressing potential risks.
• Set goals, subsidy book targets and drive the team to achieve them in a timely way with gradual progress.
• Take ownership in additional activities to drive team performance.
• Create Region Specific Content and regular Training and interaction with Front End team(s).

Required Qualifications and Experience

Education: 

Graduation or Post Graduation from STEM Fields or equivalent professional certificate with graduate degree.

Experience: 

5+ years of experience in finance domain; preferably from lending domain.

Knowledge & Skills: 

• Client Focus: Keeps customer as the pivot point of interactions and supports clients in their requirements.
• Technology: Adopts technology / applications to suit role requirements and use them proficiently.
• Resilience: Staying calm and composed and work undaunted towards the goals with focus against challenges.
• Continuous Improvement: self-initiations, open for feedbacks and keenness to learn and improve.
• Knowledge Acquisition: Study entire programme notes and schemes and create Key Fact Brochures.  Be updated on latest process/policy/developments in the subsidy space and finance domain.  Connect with Government/Quasi-Government/Nodal agencies, interact and maintain clarity on the various topics.
• Teamwork: Openly participate and contribute in team discussions, shares information and maintain cordial relationship with stakeholders.  Practice clear and diplomatic communication; follows goal oriented approach and mentor the team members.
• Negotiation & Influence: Encourages detailed discussions, analyse opinions and draft impactful resolutions. 
• Autonomy: Exhibit ownership on the activities of self and the team apart from nurturing the team.  Demonstrates self-driven behaviour, punctuality and having accountability towards the functional role by meeting agreed action plans in defined timelines;