Job description – Product, Policy & Process Lead – Small Business enterprises and Business Loans

Department	Small Business enterprises and Business Loans – SBE & BL
Location	Mumbai, BKC
Number of Positions	1
Position Grade	M7/M8

Develop and manage the suite of Business Loan & Working Capital products.
Define product positioning, pricing strategies, features, and value propositions.
Conduct market and competitor analysis to identify product enhancements and new opportunities.
Drive product lifecycle management—from ideation to launch and continuous improvement.
Periodically review credit policies, underwriting standards, and eligibility criteria.
Establish guidelines for: Risk assessment frameworks, Financial analysis norms ,Industry/segment exposure limits etc.
Collaborate with Risk/Credit teams to balance portfolio growth vs. asset quality (NPA control).
Monitor portfolio performance and revise policies based on delinquencies, early warning signals, and market conditions.
Map and streamline end-to-end loan lifecycle processes.
Drive process standardization, automation, and digitization for faster turnaround time (TAT).
Work closely with technology teams to build LOS (Loan Origination Systems) and workflow tools.
Implement best practices for customer onboarding, documentation, and verification.
Identify bottlenecks and continuously improve operational efficiency.
Act as a bridge between business, risk, and operations to ensure alignment.
Design customer-centric loan journeys and Process with minimal friction
Manage Audit and Compliance.

8–15+ years of experience in:

Experience in Business loans / MSME/SME lending
Product management or credit policy roles
Strong understanding of credit underwriting, financial analysis, and risk frameworks
Experience in process re-engineering and digital transformation is an advantage

Product Lead-Small Business Enterprise-MIS - KMBL

Job Description