Product Manager

Join us as a "Product Manager” at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You may be assessed on the key critical skills relevant for success in the role, such as risk and controls, change and transformation, business acumen, strategic thinking and digital and technology, as well as job-specific technical skills.

To leverage data, analytical techniques and business insight to identify opportunities, solve strategic business problems and optimize customer outcomes across the Financial Assistance customer journey. This role will support data-driven decision-making by delivering insights, evaluating performance and recommending actions that balance customer, commercial and risk objectives.

To be successful as a "Product Manager", you should have experience with:
• Applying analytical and business thinking to solve complex customer, strategy and operational challenges within Financial Assistance.
• Understanding customer behavior across the financial difficulty journey, including early signs of stress, collections and recoveries.
• Translating ambiguous business problems into structured analytical approaches and actionable recommendations.
• Using SQL, Python and/or SAS to manipulate, analyze and interpret large and complex datasets.
• Conducting exploratory analysis, root cause investigations, customer segmentation and performance evaluations.
• Synthesizing data, business context and stakeholder requirements to generate impactful insights and drive strategic outcomes.
• Presenting clear, data-driven recommendations to senior management through compelling storytelling and effective communication.
• Partnering with Strategy, Operations, Risk, Product, Data and Technology teams to influence decision-making and deliver business outcomes.
• Ensuring robust data quality, governance and controls throughout the analytical lifecycle.

Desirable skillsets / good to have:
• Experience within Financial Assistance, Collections, Recoveries, Credit Risk or Retail Banking.
• Knowledge of consumer lending products and customer credit lifecycles.
• Experience with experimentation, strategy optimization and/or data science techniques.
• AI awareness and adoption, including the practical application of AI-enabled analytics.
• Strong strategic thinking and problem-solving skills.

This role will be based out of Gurugram.

Purpose of the role

Product Managers are responsible for the leading the strategic focus of the product(s), defining the product vision, market strategy, and competitive analysis. They think about the product's future and how it will evolve over time. They work with various teams, including marketing, engineering, operations, and sales, to ensure everyone is aligned on the product strategy. They use data and market research to inform their decisions and prioritize product features.

Accountabilities
• Define Product Strategy: Accountable for defining a product strategy that aligns with business vision, managing capabilities, balancing short-term with long-term goals, ensuring that products meet market demands and drive growth.
• Cross functional alignment: Leadership of cross functional relationships, working with various cross-functional teams to ensure alignment of product strategy and goals.
• Risk and Control: Accountable for overseeing product risk management, including identification of potential risks, development of strategies to mitigate those risks, and maintenance of alignment between the product management and control functions.
• Product Development Lifecycle: Own product development lifecycle, from concept to launch, ensuring efficient processes, on-time delivery, and alignment with E2E customer expectations and experience. – working with product owners to drive change objectives.
• Deliver Product Goals and Performance: Deliver clear objectives and key outcomes to steer the product vision and ensure alignment with company’s business goals, financial targets, and strategic vision, driving long-term business success.
• Data driven decisions: Monitor product performance through data-driven analysis and insights, regularly assessing progress against objectives and adjusting the strategies as needed to optimise outcomes and maximise value for both business and customer.
• Customer-Centric Focus: Drive a customer -first approach across the product vision, ensuring customer insights, feedback, behaviours, and pain points are at the core of the product strategy and decision-making process.
• Business and financial acumen: Understanding pricing models, costs structures, and ROI to make financially grounded decisions regarding product development.

Analyst Expectations
• To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement.
• Requires in-depth technical knowledge and experience in their assigned area of expertise
• Thorough understanding of the underlying principles and concepts within the area of expertise
• They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources.
• If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.
• OR for an individual contributor, they develop technical expertise in work area, acting as an advisor where appropriate.
• Will have an impact on the work of related teams within the area.
• Partner with other functions and business areas.
• Takes responsibility for end results of a team’s operational processing and activities.
• Escalate breaches of policies / procedure appropriately.
• Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.
• Advise and influence decision making within own area of expertise.
• Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.
• Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.
• Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
• Make evaluative judgements based on the analysis of factual information, paying attention to detail.
• Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.
• Guide and persuade team members and communicate complex / sensitive information.
• Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.

All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave.