-Design and manage EMI schemes (tenure, ROI / subvention, eligibility, ticket size, product / partner constructs).
-Own scheme lifecycle: ideation → business case → approvals → launch → monitoring → refresh / sunset.
-Partner with Sales, Product, Credit, Finance, and lenders on scheme constructs and go-to-market.
-Analyse scheme performance (volume, conversion, margin, risk, partner ROI) and recommend changes.
-Maintain scheme inventory, version control, circulars / communications, and audit-ready documentation.
-Ensure schemes align with credit policy, regulatory / compliance requirements, and commercial guardrails.
-Coordinate Tech / Ops enablement so schemes go live correctly in systems and processes.
-Run scheme performance reviews with leadership and drive course corrections.
-Support competitive benchmarking and new scheme ideation for growth segments.