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 solid 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 fricti

📌 Product Manager-SALARIED PL AND WORKING CAPITAL-MIS (Mumbai)
🏢 Kotak
📍 Mumbai