Product Officer - Secured Lending (Retail Banking)

Flatgigs is hiring a Product Officer – Secured Products for a confidential client in the retail banking sector.This role focuses on supporting the development, enhancement, and digital enablement of secured retail loan products, including Personal Loans, Mortgage Loans, and Auto Loans.The position plays a critical role in product coordination, digital journey implementation, policy refinement, and portfolio performance tracking, working closely with multiple internal teams including technology, marketing, analytics, and sales.The ideal candidate will have experience working within retail banking product teams, supporting product lifecycle activities, system implementations, and digital lending journeys.Key ResponsibilitiesProduct Development & SupportSupport the Loans Product team in developing and enhancing retail loan productsAssist in defining product requirements, policies, and operational processesCoordinate system enhancements and product rollouts with internal teamsSupport digital lending journey enablement, including workflow design and testingPolicy & Process OptimizationContinuously review and refine loan product policies and proceduresIdentify opportunities to streamline processes and improve customer experienceSupport initiatives to reduce turnaround time (TAT) and operational frictionProduct Implementation & CoordinationWork closely with technology and cross-functional teams to support product implementationsCoordinate internal stakeholders to ensure implementation readinessAssist with UAT support, documentation, and issue tracking during system deploymentsPortfolio Monitoring & Business InsightsAnalyze loan sourcing volumes and portfolio performanceIdentify trends and provide recommendations to strengthen product performanceAssist in developing proposals to improve loan portfolio growth and market shareCampaigns & Customer EngagementCollaborate with Marketing, Analytics, and CRM teams to launch customer campaignsSupport rollout of targeted offers and CRM-driven initiativesContribute to initiatives aimed at driving retail loan sales and improving product adoptionBAU Product ManagementSupport resolution of business-as-usual product issuesCoordinate with relevant teams to ensure smooth product operationsQualifications4–7 years of experience in banking product roles, preferably in asset or loan productsStrong understanding of retail loan products including personal loans, mortgages, and auto loansExperience supporting digital onboarding or digital lending journeysFamiliarity with loan policies, pricing frameworks, and regulatory requirementsExperience working with IT teams on product implementation and system changesHands-on experience in requirements documentation, UAT support, and issue tracking#J-18808-Ljbffr