Digital Product Lead - Vehicle Finance

Job TitleDigital Product Lead - Vehicle Finance LocationChennai (Preferred), Gurgaon, Mumbai

Role OverviewWe are seeking an experienced and highly driven Product Lead to own the end-to-end digital customer experience for Vehicle Finance products across Two-Wheeler (2W), Passenger Vehicle (PV) and other vehicle financing journeys.The role will be responsible for defining the digital product vision, designing best-in-class customer journeys, driving Salesforce LOS transformation initiatives, implementing AI-led customer experiences, and leading cross-functional teams to deliver business outcomes. The incumbent will act as the single point of ownership for product roadmap execution, governance, compliance adherence, stakeholder management, and delivery excellence across the Vehicle Finance ecosystem.This is a leadership role requiring strong product management capabilities, deep understanding of vehicle finance processes, experience in Salesforce implementations, and the ability to manage large-scale transformation programs involving business, technology, operations, credit, risk, compliance, and external partners.

Key ResponsibilitiesDigital Product & Customer ExperienceDefine and own the digital product roadmap, and customer experience for Vehicle Finance productsDesign and continuously enhance customer journeys across sourcing, onboarding, credit underwriting, approval, disbursement, servicing, collections, and renewalsDrive customer-centric journey transformation using data-driven decision making and journey analyticsConduct regular competition benchmarking and market scans to identify emerging trends, innovations, and best practicesIdentify opportunities for simplification, digitization, automation, and straight-through processingChampion AI-led experiences, GenAI use cases, intelligent automation, predictive analytics, and conversational experiences across customer and operational journeysDefine product success metrics and KPIs including conversion, turnaround time, drop-offs, customer satisfaction, productivity, and adoption

Product Delivery & Salesforce TransformationLead end-to-end delivery of Vehicle Finance digital initiatives on LOS/CRM platforms Own product requirements, business cases, feature prioritization, and roadmap executionTranslate business requirements into scalable product solutions and user storiesDrive implementation of Vehicle Finance journeys Collaborate with engineering teams to ensure high-quality solution design and implementationManage product releases from conception through production deployment

Team LeadershipLead and mentor a team of: Product Managers, Business Analysts, Quality Assurance (QA) Teams and Vendor Delivery TeamsEstablish a high-performance product culture with strong execution disciplineDrive agile delivery practices and continuous improvement initiativesManage team objectives, development plans, productivity, and performance outcomes

Stakeholder ManagementAct as the central coordination point across stakeholders from: Information Technology, Business, Operations, Support, Compliance, Risk, Credit, Analytics and External Vendors Drive alignment between business priorities and technology executionInfluence senior stakeholders and obtain consensus on key decisionsPresent product updates, risks, investment cases, and governance reports to leadership teams

Governance & Steering Committee ManagementRun Steering Committees, Program Governance Forums, Executive Reviews, and Product CouncilsDefine and track program objectives, milestones, KPIs, dependencies, and risksEstablish governance frameworks for monitoring delivery, operational readiness, and business outcomesEnsure transparent reporting of project progress, issues, and escalationsDrive timely resolution of cross-functional dependencies and blockers

Risk, Compliance & Audit ManagementOwn product compliance requirements and regulatory alignment across the product lifecycleEnsure adherence to banking, lending, audit, information security, and data privacy standardsMaintain proper documentation, audit trails, control frameworks, and governance processesTrack regulatory changes and assess their impact on product journeysDrive closure of audit observations, compliance requirements, and control gaps

Program & Release ManagementIdentify and mitigate project risks, dependencies, bottlenecks, and delivery challengesDevelop program plans, release schedules, and implementation roadmapsOwn release governance and go-live readiness processesOversee SIT, UAT, production validation, and deployment activitiesEnsure timely defect resolution and post-production stabilizationMonitor user adoption and business performance after deploymentDrive continuous optimization and product enhancement initiatives

Transformation & InnovationLead enterprise-wide transformation initiatives focusing on: Process automationAPI-led integrationsAI and GenAI solutionsDigital onboarding enhancementsAnalytics-driven decisioningCross-sell and upsell enablementProcess re-engineeringIdentify opportunities to improve operational efficiency, customer experience, and business productivity.

Functional & Domain SkillsDeep understanding of Vehicle Finance processes and lending lifecycle.Strong expertise in: Vehicle Loans, Auto Finance, Loan Origination Systems (LOS), Credit & Risk workflows, Lending OperationsStrong understanding of underwriting journeys, decisioning processes, approval matrices, and compliance requirements

Technical SkillsHands-on experience with Salesforce implementationsStrong understanding of: Salesforce objects and data modelWorkflow automationAPIs and integrationsSecurity and user management

Program Management SkillsProven experience managing large transformation programs and cross-functional teams.Strong project planning, governance, and risk management capabilities.Expertise in Agile, Scrum, Waterfall, and Hybrid delivery models.Ability to manage multiple concurrent initiatives in a fast-paced environment.Strong execution focus with demonstrated delivery outcomes.

Experience & QualificationMandatory7+ years of overall experience in Product Management, Digital Transformation, or Program ManagementMinimum 3+ years of experience in Vehicle Finance / Auto Finance domainProven experience delivering Salesforce-based LOS/CRM transformationsExperience managing large cross-functional and vendor teamsBachelor's Degree in Engineering, Technology, Business Administration, or related disciplinePreferredMBA from a reputed institutionSalesforce LOS / CRM transformation programsExposure to AI/GenAI-powered transformation initiativesVendor management and SI engagement

Ideal Candidate ProfileA strategic product leader with deep Vehicle Finance domain expertise, strong Salesforce implementation experience, and a proven track record of leading large-scale digital transformation programs. The candidate should be equally comfortable defining customer experience, managing executive stakeholders, leading delivery teams, and driving measurable business impact through technology and innovation.