Senior Associate - Gold Loan Product Management and Regulatory Compliance, Consumer Banking Group

Job Purpose : Product Management and Analytics including Regulatory Compliance

Key Accountabilities : 

• Product Management Support
• Support Performance Analytics & Client Journey
• Regulatory Adherence & Controls
• Risk & Control Contribution

Job Duties & responsibilities:

• Collaborate with senior team members on developing, implementing, and monitoring product strategies and controls for the Gold Loan portfolio.
• Assist in tracking key performance indicators (KPIs) and preparing reports to provide insights for product enhancement and business growth.
• Identify and suggest opportunities for process improvement within the Gold Loan client lifecycle to enhance efficiency, customer experience and governance
• Assist in ensuring adherence to RBI guidelines (LTV, KYC/AML, auctions, interest rates, disclosures) and internal compliance standards for Gold Loan products.
• Work collaboratively with Technology, Compliance, and Risk teams to ensure data integrity, facilitate system enhancements, and support risk mitigation efforts.
• Help monitor the implementation of regulatory circulars and assist in managing statutory/regulatory inspections and audit findings.
• Prepare materials for briefings on compliance observations and best practices for branch staff.

Required Experience:

• Basic knowledge of banking regulations
• Basic understanding of branch operations and lending
• Good observation, documentation, and reporting skills.
• Product management support, business analytics, or a related field within retail banking.

Education / Preferred Qualifications : 

Graduate in Commerce/Finance (Postgraduate or professional certifications like CA-Inter/CIA preferred).

Core Competencies:

• Proficiency in MS Excel.
• Ability to work with multiple stakeholders (branch staff, tech, marketing, compliance, etc).
• Process Orientation: Basic understanding of end-to-end business processes and a willingness to contribute to continuous improvement
• Good communication skills

Technical Competencies :

• Basic understanding of Gold Loan product mechanics, valuation, and operational flows.
• Basic knowledge of regulatory guidelines and compliance requirements
• Familiarity with banking technology landscapes and the ability to work effectively with stakeholders for system enhancements and data extraction

Work Relationship:

This role will involve extensive interaction with:

• Internal: Gold Loan Sales Team, CBG COO Team, Compliance, Risk Management, Audit, Technology, Operations, Legal, Finance, Marketing, and other relevant business units.
• External: Regulatory bodies (as required), auditors, and potentially external vendors or consultants.

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