Product Manager-SALARIED PL AND WORKING CAPITAL-MIS - KMBL
Kotak Mahindra Bank (company site, opens in a new tab)3–4 yrsMumbaiOn-siteDirect career pageEst. 12–20 LPA
Posted on 25 Sept
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Job description
Structured overview of role & requirements
About This Role
- End-to-end ownership of secured working capital products including Cash Credit, Overdraft, Working Capital Term Loans, and collateral-backed structures.
- Responsible for product lifecycle management: design, pricing, policy alignment, process optimization, performance tracking, and portfolio growth with focus on volume, yield, risk, and customer outcomes.
- Collaborate with Credit, Risk, Sales, Operations, Legal, Technology, and Compliance teams to enhance product strategy, simplify processes, and maintain credit discipline.
Minimum Requirements
- 3–4 years experience in Business Banking, MSME, or Secured Lending.
- Strong understanding of secured lending, collateral, and credit economics.
- Relevant product experience with credit appraisal, deal structuring, portfolio management, or profitability and risk assessment.
- Preferred qualifications: MBA, CA, CFA, or equivalent (not mandatory for strong internal candidates).
Ideal Candidate Profile
- Experienced in secured lending with credibility in credit appraisal, program frameworks, and portfolio management.
- Able to work cross-functionally across Business, Credit, and Operations teams to influence product strategy and process improvements.
- Demonstrates ownership and commercial acumen with sensitivity to risk, leveraging data-driven insights for decision making.