Accurex Consultants, being founded in 1998, is a Management Consulting center with a highly qualified team of dedicated management & human resource experts. We are the one stop Centre for all of your management and Human Resource needs.Job Role To provide strategic leadership in the design, development, and optimization of lending products, with a focus on SMEs and underserved market segments. The role is responsible for driving sustainable portfolio growth through innovative, customer-centric, and risk-aligned financial solutions while ensuring regulatory compliance and operational efficiency. Key Responsibilities Product Strategy and Portfolio Leadership Define and execute the lending product strategy aligned to organizational growth objectives. Develop and maintain a forward-looking product roadmap focused on scalability and market relevance. Identify emerging market opportunities and design differentiated financial solutions. Monitor and optimize product performance including portfolio growth, loan uptake, customer retention, and profitability. Product Development and Customer Experience Lead the end-to-end lifecycle of lending products from concept to rollout and continuous improvement. Design simple, accessible, and customer-centric financial products tailored to SME needs Incorporate customer insights, behavioral data, and market feedback into product enhancements. Collaborate with technology and operations teams to ensure seamless product delivery and user experience. Credit and Risk Integration Work closely with Credit and Risk teams to embed sound lending principles in product design. Ensure a balance between portfolio growth and credit quality Monitor product-level risk performance including default rates and portfolio health. Align product structures with risk appetite frameworks and underwriting policies. Compliance and Governance Ensure all lending products comply with applicable financial regulations and internal policies. Support audit, compliance, and reporting requirements related to product performance. Promote ethical lending practices and customer protection principles. Commercial Performance and Growth Drive revenue growth through product optimization, pricing strategies, and market expansion Partner with Sales and Marketing teams to improve product positioning and market penetration. Develop strategies to increase conversion rates, reduce churn, and improve customer lifetime value. Stakeholder Management and Leadership Lead cross-functional collaboration across Credit, Sales, Marketing, Operations, and Technology teams. Communicate product strategy, performance insights, and key decisions to senior leadership. Ensure alignment across departments for efficient product execution. Qualification Qualifications  Bachelor’s degree in Business, Finance, Economics, or a related field  MBA or professional certifications are an added advantage  Minimum of 7–10 years’ experience in financial services  At least 4–5 years in a senior product, lending, or credit leadership rol  Strong understanding of SME lending and credit risk frameworks  Proven experience in developing and managing lending products Skills and Competencies Strong strategic thinking and product development skills Excellent analytical and data-driven decision-making ability Leadership and team management skills Strong stakeholder management and communication skills Commercial acumen and growth mindset Ability to balance risk and business performance High level of integrity and professionalism