Product Manager

Job highlights

• Overtime Pay, PF, Mobile Allowance, Internet Allowance, Flexible Working Hours, Laptop, Health InsuranceJob DescriptionProduct Manager – Mortgage Loan Department :1. Product & Business ManagementManage the complete mortgage loan product lifecycle from sourcing to closure.Develop and implement strategies to increase loan disbursements and portfolio growth.Define product eligibility, documentation, pricing, and process guidelines in coordination with management.Monitor market trends, competitor products, and customer requirements.Identify new business opportunities and improve product performance.2. Sales ManagementSet monthly/quarterly sales targets for Branch Managers, Sales Managers, and Relationship Officers.Drive LAP/Mortgage Loan sourcing through branches and field teams.Monitor leads, applications, login, approval, and disbursement pipelines.Ensure quality customer acquisition and maintain healthy business volumes.Conduct regular performance reviews and support the sales team in a

Product Manager – Mortgage Loan Department : 1. Product & Business Management Manage the complete mortgage loan product lifecycle from sourcing to closure. Develop and implement strategies to increase loan disbursements and portfolio growth. Define product eligibility, documentation, pricing, and process guidelines in coordination with management. Monitor market trends, competitor products, and customer requirements. Identify new business opportunities and improve product performance. 2. Sales Management Set monthly/quarterly sales targets for Branch Managers, Sales Managers, and Relationship Officers. Drive LAP/Mortgage Loan sourcing through branches and field teams. Monitor leads, applications, login, approval, and disbursement pipelines. Ensure quality customer acquisition and maintain healthy business volumes. Conduct regular performance reviews and support the sales team in achieving targets. Develop relationships with DSAs, connectors, property agents, and other business channels. 3. Credit & Operations Coordination Coordinate with Credit, Legal, Technical, and Operations teams for smooth loan processing. Ensure proper documentation and adherence to company credit policies. Track pending cases and reduce turnaround time from login to disbursement. Monitor deviations, rejections, cancellations, and reasons for business loss. 4. Collection & Portfolio Management Monitor repayment performance of the mortgage loan portfolio. Set collection targets and follow up with collection teams. Track overdue, DPD, SMA/NPA, and high-risk accounts. Develop strategies to improve collection efficiency and reduce delinquency. Coordinate with field collection teams for difficult and overdue accounts. Monitor settlement, restructuring, and recovery cases according to company policy. 5. MIS & Performance Monitoring Prepare and review daily/weekly/monthly MIS reports. Monitor Disbursement, Collection, AUM, DPD, NPA, Bounce, Recovery, and Portfolio Quality . Analyze branch and employee-level performance. Present business and portfolio reports to senior management. Identify gaps and implement corrective actions. 6. Team Management Lead and motivate Sales and Collection teams. Conduct regular meetings and performance reviews. Train employees on mortgage products, sales processes, customer handling, and collection procedures. Support recruitment and onboarding of sales and collection staff. Ensure proper coordination between Sales, Credit, Operations, and Collection teams. Key Performance Indicators (KPIs)Loan Applications / Login Approval & Disbursement Monthly Business Volume AUM Growth Collection Efficiency Overdue / DPD Reduction Bounce & NPA Control Recovery Performance Customer Retention Branch & Team Productivity