Be responsible for development, management and enhancement of entrusted products (entire lifecycle from planning via concepts, phasing out the entrusted products to concrete sales and marketing activities) to achieve company over-all strategic, business and financial goals.
Devises, develops and regularly maintains entrusted products’ strategy, short- and long-term entrusted products’ goals, sales plans, tactics and programs based on the business strategy, opportunities and plans, budget, potential of market, target customers, consumer needs, competitors, resources and abilities.
Using knowledge of the market, competitors, target customers and sales channels, identifine and develops on-going market insight, unique entrusted products’ proposition with clear differentiators from the competitors.
Identifies and develops new products (parameters, pricing, opportunity identification, value proposition, positioning, prototyping, business case, product/system requirements, launch plan, market mix model, performance metrics, organize product launch, sales channels, marketing plan, process/systems development or enhancements, sales training, reporting, approval, etc.), and maintains existing entrusted products and coordinates cross-departmental activities in support of new products development, and management of related entrusted products’ changes and activities.
Defines, monitors and manages entrusted products’ profitability, KPIs and reporting.
Monitors and evaluates sales results and effectiveness metrics of the entrusted products, proposes changes to improve sales results, effectiveness and optimal mix of sales channels
Monitors end-to-end entrusted products’ processes, identifies and initiates improvements/ simplifications in processes in cooperation with other relevant internal departments and/or external partners.
Cooperates with Risk, Operations and IT Departments to find best methods.
Initiates customers, competitors and market researches with cooperation with Marketing team to monitor and evaluate market and competitors’ development, voice of customer (VOC), voice of sales (VOS), etc adjust entrusted products (parameters, pricing, processes, systems, etc.) accordingly.
Provides technical help desk/support service to other relevant company departments, to partners and customers. Addresses and solves all issues and complaints related to entrusted products.
Must have experience in lending products at fintech/bank/consumer finance Organization.
Experience developing digital products and technologies
Experience in developing products and driving successful product improvements based on data and competitive analysis
Ability to interpret regulatory requirements and application to products and processes