AVP, Personal Loan Products

JOB SUMMARY / INTRODUCTION Responsible for the end-to-end management, growth, profitability, and customer proposition of the Bank's Personal Loan and Auto Loan portfolios. The role drives product strategy, pricing, portfolio performance, customer acquisition, digital enablement, and market competitiveness while ensuring compliance with regulatory and risk frameworks. KEY RESPONSIBILITIES Manage the lifecycle of Personal Loan and Auto Loan products, including product design, pricing, campaigns, enhancements, and profitability. Develop and execute strategies to achieve portfolio growth, revenue, market share, and customer acquisition targets. Monitor product performance, portfolio quality, customer trends, and competitive market developments, recommending enhancements where required. Lead pricing reviews and business cases for rate changes, promotional campaigns, and product propositions. Manage Auto Loan dealer relationships and distribution partnerships to drive sales and improve customer reach. Collaborate with Digital, Risk, Operations, Technology, Finance, Compliance, and Sales teams to deliver product initiatives and improve customer journeys. Drive digitization initiatives across loan origination and servicing processes to improve turnaround times and customer experience. Track and report product KPIs, including volumes, balances, yield, revenue, portfolio quality, conversion rates, and customer satisfaction metrics. Ensure products remain compliant with regulatory requirements and internal policies. Identify new opportunities for product innovation, cross-selling, and process optimization. Key Performance Indicators (KPIs) Personal Loan portfolio growth Auto Loan portfolio growth Revenue and profitability targets Market share and customer acquisition Portfolio quality and delinquency metrics Digital adoption and straight-through processing rates Customer satisfaction and turnaround times Successful delivery of product initiatives and campaigns REQUIREMENTS / QUALIFICATIONS Essential Minimum Qualification Master’s degree in business management – Marketing & Finance Minimum Experience 10+ years of relevant experience in the banking sector Other Essential Requirements Strong focus on turning insight into compelling reasons to believe to drive the customer-focused agenda. Advanced reasoning and problem-solving skills. Strong technical knowledge of Personal Banking products and business model. Excellent communication skills with a high degree of personal integrity who can deliver the desired results under pressure.