Digital Alliances and Partnerships • Develop and build new strategic partnerships for DCB Bank• Creating a 360-degree feedback loop between client teams and our internal teams.Tech | Documentation | Process Automation • Product Requirement Document (PRDs) & Product Development Document.• Defining Customer Journey and assist tech team in development to bridge the gap between Business & Co-Lending / Business Partners. • Reviewing End to End Process of Customer Journey right from Origination, Prescreening, Underwriting, Monitoring, Collections and Write off and reduce friction and automate wherever possible. Financial Responsibilities• To devise the Product Profitability by getting the right combination of yield and perceived delinquency• To monitor Product penetration and performance post launch and fine tune wherever required.Non-Financial Responsibilities• To keep abreast with competition on the product developments and portfolio behavior• To keep an eye on various industries to identify opportunities and threats, early warning signals.

Financial Responsibilities• To devise the Product Profitability by getting the right combination of yield and perceived delinquency• To monitor Product penetration and performance.Non-Financial Responsibilities• To outline goals and identify potential risks, challenges, and opportunities• To monitor and measure the performance of the products post launch & apprise the Business Head of the same• To monitor the delinquency at a Pan India/ regional /location level and to reorient strategies with Business Head.• To keep abreast with competition on the product developments and portfolio behavior• To keep an eye on various industries to identify opportunities and threats, early warning signals• To devise training module for the sales team and monitor its implementation• To devise incentive programs for the sales teams and monitor their performance• To organize customer contact programs for existing customers and prospects for better relationship management• To assist the Business Head to devise the right product program for the segment the Bank wants to operate in• To liaison extensively with Business, Credit and other business verticals for better synergiesProcess Improvement and Automation• Reviewing End to End Credit Process of Product Life Cycle right from Origination, Prescreening, Underwriting, Monitoring, Collections and Write off• In addition, handling digital initiatives of Gold Loans to streamline process & to enrich customer experience.

Financial Responsibilities• To devise the Product Profitability by getting the right combination of yield and perceived delinquency• To monitor Product penetration and performance.Non-Financial Responsibilities• To outline goals and identify potential risks, challenges, and opportunities• To monitor and measure the performance of the products post launch & apprise the Business Head of the same• To monitor the delinquency at a Pan India/ regional /location level and to reorient strategies with Business Head.• To keep abreast with competition on the product developments and portfolio behavior• To keep an eye on various industries to identify opportunities and threats, early warning signals• To devise training module for the sales team and monitor its implementation• To devise incentive programs for the sales teams and monitor their performance• To organize customer contact programs for existing customers and prospects for better relationship management• To assist the Business Head to devise the right product program for the segment the Bank wants to operate in• To liaison extensively with Business, Credit and other business verticals for better synergiesProcess Improvement and Automation• Reviewing End to End Credit Process of Product Life Cycle right from Origination, Prescreening, Underwriting, Monitoring, Collections and Write off• In addition, handling digital initiatives of Gold Loans to streamline process & to enrich customer experience.

Key Responsibility includes: Analyze necessary market research studies for assessment and superior understanding of consumer usage & attitudes, industry & products performance trends to define target segments & needs and evaluate their impact on product strategy & plans SWOT Analysis of SBI and Competitors, at regular and pre-defined intervals. Product analysis and review, devising Sales & Marketing process improvement strategies. JV opportunity evaluation, scoping out new opportunities for growth. Working closely with the Senior Management to implement novel initiatives across cross-functional teams. Forecasting business scenarios and developing implementation plans to meet the same Strategic Consulting, including business plan & strategy development  Reengineer the work process flow by plugging systemic loopholes to streamline the operationsProduct Design: Develop and manage particular line of products (Retails Loans other than Home, Auto and Education), propose product features based on product ideas or request Develop relevant documents, maintain accuracy and consistency between marketing material and actual product/process information, handling all product /process related queries Coordinate with Risk ,Compliance, Legal Departments etc. for approval of product features Coordinate with IT and Operation Departments for technical feasibility and implementation Coordinate with Advertising Agencies with content support Ensure smooth product launch Own up product performance during the initial period of launchProduct Management: Assist in development of marketing strategies and work closely with all departments as necessary (marketing, training, customer service) for driving product performance Provide inputs to the training, IT, Operation and marketing teams with content support Product Review and Modification on an ongoing basis to ensure  Credit and Cost Benefit Analysis

• Advanced Market Research, SWOT Analysis of SBI and Competitors, at regular and pre-defined intervals.• Product analysis and review, devising Marketing process improvement strategies.• Forecasting business scenarios and developing implementation plans to meet the same• Strategic Consulting, including business plan & strategy development • Product Development, Review and Modification• Credit Analysis and Cost Benefit Analysis

• Document Analysis and Verification• Rating on the basis of Risk Assessment Model• Preparing CMA data• Preparing Inspection Report• Project Appraisal