Job Title: Affluent Propositions Lead Location: Goregaon, Mumbai Reporting To: Head of Affluent & Salaried Propositions Job Type: Full-time Role Summary:

The Affluent Propositions Lead is responsible for developing, managing, and enhancing products and services targeted at affluent and high-net-worth (HNW) customers. This role involves designing a compelling value proposition, driving customer acquisition and engagement strategies, and ensuring alignment with the bank’s overall wealth management and retail banking objectives.

Key Responsibilities: Strategic Proposition Development:

- Develop and implement a competitive and differentiated affluent banking proposition.
- Design exclusive banking advantages, personalized wealth management solutions, and premium customer experiences.
- Work closely with stakeholders (e.g., product, marketing, and digital teams) to ensure seamless execution.

Customer Experience & Engagement:

- Enhance the customer journey for affluent clients through superior service, digital solutions, and concierge offerings.
- Identify customer needs through research and insights to develop tailored solutions.
- Collaborate with relationship managers and wealth advisors to optimize service delivery.

Product & Service Innovation:

- Drive innovation in banking products such as premium accounts, investment solutions, credit cards, and lending options tailored for affluent clients.




- Leverage digital platforms and fintech partnerships to enhance customer experience.
- Ensure regulatory compliance in all proposition designs and offerings.

Sales & Marketing Collaboration:

- Work with sales teams to develop strategies for customer acquisition and retention.
- Design and execute marketing campaigns targeting the affluent segment.
- Conduct competitor analysis to ensure market-leading positioning.

Performance Monitoring & Reporting:

- Track and report on key performance indicators (KPIs) related to affluent banking growth and customer engagement.
- Use analytics to measure the effectiveness of propositions and recommend improvements.

Key Qualifications & Experience:

- Bachelor's degree in Business, Finance, Marketing, or a related field; MBA is a plus.
- 12-15 years of experience in wealth management, retail banking, or financial services, with a focus on the affluent customer segment.
- Strong understanding of affluent customer needs, banking products, and wealth management solutions.
- Experience in proposition development, product management, or customer experience design.

Skills & Competencies:

- Strategic thinking with a customer-centric mindset.
- Strong analytical and problem-solving skills.
- Excellent communication, stakeholder management, and negotiation abilities.
- Knowledge of digital banking and fintech trends in wealth management.

📌 Affluent Proposition Lead-HO & Support-Branch Programme Team (Mumbai)
🏢 Kotak
📍 Mumbai