Product Manager – Digital Banking (Onboarding & Acquisition)

Product Manager – Digital Banking (Onboarding & Acquisition)

Experience - 5 to 8 years

Location: Mumbai

Department: Digital Banking

We are looking for a high-impact Product Manager to lead digital onboarding and acquisition journeys across retail banking products. The role involves end-to-end ownership of customer journeys, strong regulatory and technical understanding, and driving measurable improvements in funnel performance and customer experience.

Key Responsibilities

1. End-to-End Onboarding Ownership

• Lead design and enhancement of onboarding journeys for SA, Credit Cards, and cross-sell products.
• Ensure intuitive, low-friction, mobile & web-compatible experiences.
• Partner with design to deliver clear, user-friendly flows.

2. Funnel Optimization

• Own KPIs from lead → KYC → verification → activation.
• Analyse drop-offs and deploy targeted improvements.
• Run A/B tests, refine UX, and optimise content and decision logic to boost conversions.

3. Product Planning & Execution

• Build product plans, manage milestones, risks, and dependencies.
• Drive delivery, UAT cycles, defect management, and go‑live readiness.

4. Technology & Decisioning

• Collaborate with engineering on eligibility rules, fraud checks, and API design.
• Ensure robust, real-time decisioning within journeys.

5. Documentation & Governance

• Create BRDs, PRDs, use cases, SOPs, and test scenarios.
• Maintain audit-ready documentation and traceability.

6. Regulatory Compliance

• Interpret and implement RBI/KYC/InfoSec guidelines.
• Work closely with Compliance, Legal, Risk, and Audit for approvals.

7. Stakeholder Management

• Align cross-functional teams across business, tech, ops, and compliance.
• Lead governance forums and ensure smooth execution.

Success Metrics

• Improved funnel conversion & reduced drop-offs
• On-time releases, minimal post-launch defects
• Zero critical audit findings & compliant documentation
• Higher digital sourcing contribution and reduced onboarding costs

Ideal Candidate

• Experience in product management within banking, fintech, or digital ecosystems
• Strong knowledge of onboarding, KYC/eKYC, risk & regulatory frameworks
• Hands-on with BRDs/PRDs, user journeys, rule engines, APIs
• Analytical mindset; experience with Adobe/analytics tools
• Excellent execution, communication, and stakeholder management skills