Job Description: Product Manager, Car Loans

Business Unit: Car Loans
Location: Goregaon, Infinity IT Park
Reports To: Sanjay Kasar – Vice President, Product (Traditional, KMPL)
Skip‑Level: Suraj Rajappan – Whole Time Director
Role Level: Deputy Manager / Manager

Role Purpose

The Product Manager – Car Loans will be responsible for driving KMPL’s strategic
growth in the Car Loans business by owning the product vision, portfolio
performance, customer experience, and digital transformation agenda. This role
will work closely with OEMs, Sales, Policy, Risk, Credit, BSG & IT, BIU, and
Operations Teams to deliver differentiated propositions, improve process
efficiency, and build a scalable and profitable product line consistent with
KMPL’s long-term goals.

Key Responsibilities

1. Product Strategy & Portfolio Ownership

* Define and drive the end-to-end product strategy for Car Loans at KMPL.
* Develop a robust multi-year roadmap aligned to business, digital, and
customer priorities.
* Identify growth segments, current customer value propositions, and untapped




market opportunities through data analysis and market intelligence.
* Ensure alignment with KMPL’s asset growth priorities and governance
frameworks.

2. Product Development & Innovation

* Lead conceptualization and launch of new products, features, and digital
experiences across the Car Loans lifecycle—sourcing, onboarding,
underwriting, disbursement, and servicing.
* Partner with the Technology and Digital teams to enable straight‑through
processing, instant decisioning, and API-led integrations with OEMs, dealers,
and fintech partners.
* Drive enhancements on KMPL’s internal LOS/LMS platforms to improve TAT,
productivity, and compliance.

3. Business & Financial Management

* Own the Car Loans Top-line numbers, including AUM growth, yields, cost
optimization, and risk-adjusted returns.
* Work on pricing and fee strategies based on market conditions, risk appetite,
and portfolio performance.
* Monitor KPIs and por

📌 Product Manager-NEW CAR FINANCE-Product (Mumbai)
🏢 Kotak
📍 Mumbai