Description

The Overdraft Product Manager will lead the strategic development, management, and growth of the bank's overdraft lending proposition for corporate clients. The role combines P&L ownership, product innovation, and regulatory/compliance stewardship, ensuring the overdraft portfolio is profitable, scalable, and aligned with client working capital needs. Overdraft remains a critical anchor product for corporate clients' short-term working capital needs. This role will shape the future of the overdraft proposition, drive both profitability and client experience, while enabling the bank to compete effectively in a rapidly digitalizing lending landscape.

Key Responsibilities:

1. Product Strategy & Proposition:
   1. Own and drive the end-to-end overdraft product strategy for corporate clients across target segments (e.g., SME, Mid Cap, Large Corporates).
   2. Identify new growth opportunities, product enhancements, and market differentiation levers.
   3. Align product strategy with working capital solutions, liquidity, and transaction banking offerings.
2. P&L Ownership & Performance
   1. Manage the overdraft product P&L, including pricing strategy, utilization optimization, margin improvement and capital efficiency.
   2. Monitor product performance KPIs - portfolio size, yield, usage patterns, cost of funds, loss rates.
   3. Drive tactical and strategic initiatives to improve utilization and returns
3. Product Development & Lifecycle Management
   1. Lead new product development and enhancements, including digital onboarding, credit line management, and integration with client channels.
   2. Work closely with technology, credit, legal, compliance and operations teams to deliver robust, scalable and regulatory-compliant solutions.
   3. Ensure operational readiness, process excellence and smooth client experience across markets.

1. Risk & Governance
   1. Partner with Credit Risk to set clear risk acceptance criteria, exposure limits, and monitoring frameworks.
   2. Ensure products comply with internal credit policies, regulatory requirements, and capital treatment rules.
   3. Embed appropriate controls to manage credit, operational, and conduct risks.

1. Stakeholder Management
   1. Collaborate with Relationship Managers, Credit, Treasury, Operations and Legal to ensure alignment of product features with business priorities.
   2. Act as subject matter expert (SME) for overdraft in client pitches and internal training.

Requirements:

• 10 years of relevant experience in corporate banking, lending, or working capital product management.
• Understanding of overdraft / revolving credit facilities, credit underwriting frameworks, and regulatory capital treatment would be a plus
• Experience in digitization of lending journeys a strong plus.
• Excellent stakeholder management and influencing skills.
• Degree in Business, Finance, Economics or related discipline; MBA or equivalent preferred.
• Demonstrated experience in managing a product P&L, including pricing strategy, utilization optimization, margin improvement, and capital efficiency.
• Proven ability to own and drive end-to-end product strategy for corporate lending products, including identifying growth opportunities and market differentiation levers.