Build the Intelligence Engine of a Lending Business
As commercial banking evolves toward data-driven decision making, analytics and data science are becoming central to how lending businesses operate.
Kotak’s Commercial Banking division is building an analytics and data science function focused on powering decision systems across the lending lifecycle.
This function will support key areas such as:
- credit risk insights
- collections prioritization models
- dealer and customer intelligence
- portfolio monitoring and early warning signals
The goal is to embed analytics directly into operational workflows, enabling better decisions across underwriting, collections and commercial operations.
The Role
We are looking for a Head of Analytics & Data Science to lead the development of analytical capabilities that power data products across the business.
This role will lead teams across:
- business analytics
- predictive modeling
- experimentation and impact measurement
You will work closely with product managers and engineering teams to ensure analytics is embedded into operational decision systems.
What You Will Build
Examples of analytical capabilities the team will develop include:
Credit Risk Models
Models that help identify risk patterns and support underwriting decisions.
Collections Propensity Models
Predictive systems that help prioritize recovery actions.
Dealer & Customer Intelligence
Analytical frameworks that identify patterns in dealer and borrower performance.
Portfolio Early Warning Systems
Tools that detect early signals of portfolio stress.
What You Will Do
Lead Analytics Strategy
Define the roadmap for analytics and data science capabilities across the lending lifecycle.
Build and Mentor Teams
Lead teams of business analysts and data scientists, developing solid analytical talent.
Embed Analytics into Products
Work closely with product and engineering teams to integrate models and insights into operational systems.
Measure Business Impact
Ensure analytics initiatives translate into measurable improvements in business outcomes.
Develop Decision Intelligence
Build analytical frameworks that enable faster and more consistent decision making across the organization.
Who Will Thrive Here
This role is best suited for individuals who enjoy applying analytics to real-world operational and financial systems.
You will likely enjoy this role if you:
- are passionate about using data to improve business decisions
- enjoy leading analytical teams and solving complex problems
- have a deep interest in lending and financial risk
The Opportunity
Few analytics leadership roles offer the opportunity to influence core lending decisions at scale.
You will help build the intelligence layer that powers the next generation of commercial banking systems.
📌 Senior Principal-Data Science-HO & SUPPORT-CVM CoE - Corporate Centre of Excellence (Bengaluru)
🏢 Kotak Mahindra Bank
📍 Bengaluru
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