Kotak Mahindra Bank
Product Manager-SALARIED PL AND WORKING CAPITAL-MIS - KMBL
Be an Early Applicant
Owns the end-to-end strategy and performance of secured working capital products, including cash credit, overdrafts, term loans, and collateral-backed structures. Responsibilities include product design, pricing, profitability, portfolio analytics, policy alignment, deal support, process optimization, digitization, and stakeholder coordination across credit, risk, sales, operations, legal, technology, and compliance.
Product Manager | Secured Working Capital| Sr. Manager/ AVP
Business Unit - Business Banking Assets (BBA)
Location - Mumbai
Role Purpose
The Product Manager – Secured Working Capital Loans will be responsible for end-to-end ownership of secured working capital products including Cash Credit (CC), Overdraft (OD), Working Capital Term Loans (WCTL), and collateral-backed WC structures.
The role involves pricing, policy alignment, process optimization, and performance management, while working closely with Credit, Risk, Sales, Operations, Legal, Technology, and Compliance teams to ensure sustainable portfolio growth and strong customer outcomes.
Scope of Ownership
- Primary ownership: Secured Working Capital products
- Collaborative interface:
- Leveraging secured lending experience
- Aligning with process, policy and key stakeholders
- Cross‑learning on portfolio behavior and risk frameworks
Key Responsibilities
Product Ownership & Strategy
- Own the product lifecycle for secured WC products – design, program frameworks, enhancements and rationalization.
- Define product positioning, target customer segments, eligibility logic and value proposition.
- Drive sustainable portfolio growth with balanced focus on volumes, yield, risk and customer outcomes.
Portfolio, Pricing & Analytics
- Own pricing frameworks, ROI logic and profitability levers.
- Track portfolio performance across:
- Renewals, Portfolio Health, Utilization and churn
- Track major Income lines
- Use data‑led insights on identifying problems and subsequently resolving issues.
- Support complex deal structures
- Address product or policy‑related escalations
- Incorporate field feedback into product design
Business Enablement & Deal Support
- Develop and maintain product notes, FAQs, internal decks and training material for Business and Credit stakeholders.
Process, Journey & Digitization
- Work with Operations and Technology teams to:
- Simplify transaction and drawls process
- Reduce friction in documentation and fund availing processes
- Drive journey improvements while maintaining strong credit discipline and compliance.
- Track market and competitor trends in secured WC lending and recommend responses.
Who Should Apply
This role is well‑suited for strong internal performers who have built credibility in secured lending and want to influence product strategy on a scale.
Relevant Backgrounds
- Experience with:
- Credit appraisal or program frameworks
- Deal structuring and deviations
- Portfolio management or renewals
- Customer‑level profitability and risk assessment
Experience & Qualification
- 3–4 years of overall experience in Business Banking / MSME / Secured Lending
- MBA / CA / CFA or equivalent qualification preferred (not mandatory for strong internal candidates)
Skills & Competencies
Functional
- Strong understanding of secured lending, collateral and credit economics
- Ability to interpret portfolio data and risk trends
- Comfort working across Business, Credit and Operations
Behavioral
- High ownership mindset
- Ability to influence without authority
- Structured thinking and clear communication
- Commercial acumen with risk sensitivity
Why This Role Is a Strong Career Move
- Ownership of core secured WC products, a key growth engine for Consumer Bank
- Opportunity to apply in a strategic product role
- High visibility with leadership, heads and forums
Kotak Mahindra Bank Mumbai, Maharashtra, IND Office
Mumbai, India
Similar Jobs
Artificial Intelligence • Healthtech • Professional Services • Analytics • Consulting
Manage multi-region AWS infrastructure and Linux servers, including configuration, migrations, upgrades, patching, monitoring, access control, troubleshooting, and root-cause analysis. Support serverless and container infrastructure, analyze logs and performance trends, audit infrastructure, mitigate threats, and resolve escalated operational issues. Mentor new team members and collaborate in a hybrid, client-facing consulting environment.
Top Skills:
Amazon AppstreamAnsibleAWSAws Systems ManagerAws WorkspacesBashCloudFormationCloudwatchFirewallsLinuxPythonRhelTcp/IpWireshark
Artificial Intelligence • Healthtech • Professional Services • Analytics • Consulting
Collaborates with internal and client teams to analyze business problems, translate requirements into technical designs, and implement technology solutions. Develops technical features using appropriate methodologies, testing practices, and technology stacks. Supports project implementation planning, interprets business requirements, and contributes to small- and medium-scale client engagements involving databases, programming, cloud platforms, and analytics.
Top Skills:
AWSGoogle Cloud PlatformAzureMicrosoft CopilotPythonRdbmsSQL
Financial Services
Supports business management initiatives through project management, business analysis, executive presentations, dashboard and wireframe creation, stakeholder coordination, and risk and control activities. The role manages workstreams, supports audit and regulatory deliverables, maintains SharePoint resources, coordinates team events, and identifies process improvements. It requires strong Microsoft Office skills, presentation design expertise, communication abilities, and practical use of LLM and AI tools with Python for analysis.
Top Skills:
Artificial Intelligence (Ai)Large Language Models (Llms)ExcelMicrosoft PowerpointMicrosoft SharepointPivot TablesPython
What you need to know about the Mumbai Tech Scene
From haggling for the best price at Chor Bazaar to the bustle of Crawford Market, the energy of Mumbai's traditional markets is a key part of the city's charm. And while these markets will always have their place, the city also boasts a thriving e-commerce scene, ranking among the largest in the region. Driven by online sales in everything from snacks to licensed sports merchandise to children's apparel, the local industry is worth billions, with companies actively recruiting to meet the demands of continued growth.
