Product Lead - JLG
- Idfc First Bank
- 6 - 10 years
- Mumbai
- 12 hours ago
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Job Description
Role: Business Lead Sales, Collections & Policy Strategy
Role Overview
We are seeking a highly dynamic Business Lead to own and drive endtoend performance across sales channels, collections effectiveness, incentive design, and policy governance. This role will play a critical, highimpact part in shaping the business trajectorystrategically balancing aggressive growth with disciplined risk management, strengthening portfolio quality, and building scalable, sustainable operating models to enable longterm expansion
Key Responsibilities
1. Sales Channel Performance
Drive productivity, funnel conversion, and growth across multiple sales channels (branch, digital, partnerships, referrals)
Identify gaps and implement initiatives to improve disbursals and activation rates
Work closely with distribution teams to strengthen channel efficiency
2. Collections Strategy & Portfolio Health
Own collections performance across buckets (early to late stage)
Design and implement strategies to reduce delinquency and improve rollbacks
Monitor portfolio trends and drive corrective actions
3. Incentive Design & Governance
- Create and manage sales & collections incentive structures aligned with business goals
- Ensure fairness, transparency, and performance linkage
- Continuously refine incentive models based on productivity and risk outcomes
4. Policy & Process Management
- Drive credit and operational policy enhancements aligned with risk appetite
- Balance customer experience with risk controls
- Identify process gaps and lead automation/digitization initiatives
5. Data Analytics & Insights
- Leverage data to track performance, identify trends, and drive decision-making
- Build dashboards and actionable MIS for leadership reviews
- Run experiments/pilots to optimize business outcomes
6. Stakeholder Management
- Collaborate with Risk, Ops, Product, and Tech teams to drive cross-functional initiatives
- Act as a bridge between business and enabling functions
Qualifications & Experience
6+ years of experience in banking or financial services
Prior experience in microfinance, JLG, or rural lending ecosystems preferred
Postgraduate degree required
Strong expertise in sales, collections, credit, policy with demonstrated success in field enablement, crossfunctional execution, stakeholder governance, and continuous improvement
Job Classification
Industry: Financial ServicesFunctional Area / Department: Product ManagementRole Category: Product Management - TechnologyRole: Technology Product Management - OtherEmployement Type: Full timeContact Details:
Company: Idfc First BankLocation(s): Mumbai
Keyskills: Policy Strategy Process Management Performance Management
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About Capital First Limited: CFL is listed on BSE and NSE (Stock Code: CFL). The company provides Mortgage loans to SMEs against pledge of property, Gold Loans to retail customers, Consumer Durable Loans, Two wheeler loans, and senior secured Wholesale loans. During the last year the company expande...
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