Product Manager

Product Manager – Mortgage Loan Department :

1. Product & Business Management

• Manage the complete mortgage loan product lifecycle from sourcing to closure.
• Develop and implement strategies to increase loan disbursements and portfolio growth.
• Define product eligibility, documentation, pricing, and process guidelines in coordination with management.
• Monitor market trends, competitor products, and customer requirements.
• Identify new business opportunities and improve product performance.

2. Sales Management

• Set monthly/quarterly sales targets for Branch Managers, Sales Managers, and Relationship Officers.
• Drive LAP/Mortgage Loan sourcing through branches and field teams.
• Monitor leads, applications, login, approval, and disbursement pipelines.
• Ensure quality customer acquisition and maintain healthy business volumes.
• Conduct regular performance reviews and support the sales team in achieving targets.
• Develop relationships with DSAs, connectors, property agents, and other business channels.

3. Credit & Operations Coordination

• Coordinate with Credit, Legal, Technical, and Operations teams for smooth loan processing.
• Ensure proper documentation and adherence to company credit policies.
• Track pending cases and reduce turnaround time from login to disbursement.
• Monitor deviations, rejections, cancellations, and reasons for business loss.

4. Collection & Portfolio Management

• Monitor repayment performance of the mortgage loan portfolio.
• Set collection targets and follow up with collection teams.
• Track overdue, DPD, SMA/NPA, and high-risk accounts.
• Develop strategies to improve collection efficiency and reduce delinquency.
• Coordinate with field collection teams for difficult and overdue accounts.
• Monitor settlement, restructuring, and recovery cases according to company policy.

5. MIS & Performance Monitoring

• Prepare and review daily/weekly/monthly MIS reports.
• Monitor Disbursement, Collection, AUM, DPD, NPA, Bounce, Recovery, and Portfolio Quality.
• Analyze branch and employee-level performance.
• Present business and portfolio reports to senior management.
• Identify gaps and implement corrective actions.

6. Team Management

• Lead and motivate Sales and Collection teams.
• Conduct regular meetings and performance reviews.
• Train employees on mortgage products, sales processes, customer handling, and collection procedures.
• Support recruitment and onboarding of sales and collection staff.
• Ensure proper coordination between Sales, Credit, Operations, and Collection teams.
• Key Performance Indicators (KPIs)Loan Applications / Login
• Approval & Disbursement
• Monthly Business Volume
• AUM Growth
• Collection Efficiency
• Overdue / DPD Reduction
• Bounce & NPA Control
• Recovery Performance
• Customer Retention
• Branch & Team Productivity