Website:
basecareer.co
Job details:
Role purpose and scope
Own secured working capital products end to end, including Cash Credit, Overdraft, Working Capital Term Loans, and collateral-backed working capital structures.
The role sits in Business Banking Assets and covers product strategy, pricing, policy alignment, process optimization, and performance management.
Collaborate with Credit, Risk, Sales, Operations, Legal, Technology, and Compliance teams to support sustainable growth and customer outcomes.
Product ownership and strategy
- Own product lifecycle activities, including design, program frameworks, enhancements, and rationalization.
- Define product positioning, target segments, eligibility logic, and value proposition.
- Drive sustainable portfolio growth while balancing volumes, yield, risk, and customer outcomes.
Portfolio and pricing
- Own pricing frameworks, ROI logic, and profitability levers.
- Track renewals, portfolio health, utilization, churn, and major income lines.
- Use data-led insights to identify and resolve problems.
- Support complex deal structures, address product or policy escalations, and incorporate field feedback into product design.
Enablement and process improvement
- Prepare product notes, FAQs, internal decks, and training materials for Business and Credit stakeholders.
- Work with Operations and Technology to simplify transaction and drawdown processes and reduce documentation and fund-access friction.
- Improve journeys while maintaining credit discipline and compliance.
- Track market and competitor trends in secured working capital lending and recommend responses.
Relevant background
- Experience with credit appraisal or program frameworks, deal structuring and deviations, portfolio management or renewals, and customer-level profitability and risk assessment.
- 3–4 years of overall experience in Business Banking, MSME, or Secured Lending.
- Strong understanding of secured lending, collateral, and credit economics.
- Ability to interpret portfolio data and risk trends and work across Business, Credit, and Operations.
Skills And Qualifications
- High ownership mindset and ability to influence without authority.
- Structured thinking, clear communication, and commercial acumen with risk sensitivity.
- MBA, CA, CFA, or equivalent qualification is preferred, but not mandatory for strong internal candidates.
Career opportunity
The posting describes ownership of core secured working capital products and an opportunity to contribute to product strategy with visibility among leadership and business forums.
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