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

Job description

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. Location: Regional Office Mumbai Job: Product Management Schedule: Regular Employee Status: Full time