Lending decisions in commercial banking involve a complex combination of credit evaluation, data analysis and operational judgment.
Many of these processes still rely on manual analysis and fragmented systems.
Kotak’s Commercial Banking division is investing in building data-driven credit journey products that help underwriters make faster, better-informed decisions.
The Role
We are looking for a Product Manager to build products that support underwriting and credit decision making across the lending lifecycle.
These products will help credit teams:
- access structured risk insights
- integrate external financial data
- identify early portfolio risks
- evaluate credit decisions more efficiently
This role focuses on building products that improve how lending decisions are made.
What You Will Build
Examples of product areas include:
Underwriting Decision Support Tools
Products that provide risk insights and structured data for credit teams.
External Data Integrations
Platforms that incorporate bureau, financial and alternative data sources.
Portfolio Intelligence Systems
Tools that monitor portfolio health and highlight emerging risks.
Credit Workflow Platforms
Products that structure how underwriting decisions move through operational processes.
What You Will Do
Define Product Roadmap
Own the roadmap for credit decision support systems.
Work with Credit Teams
Collaborate closely with underwriting and risk teams to understand decision frameworks.
Build Data-Driven Products
Work with analytics and engineering teams to deliver scalable solutions.
Improve Decision Efficiency
Design products that reduce manual analysis and improve consistency.
Who Will Thrive Here
This role is well suited for product managers interested in building financial decision systems.
You will likely enjoy this role if you:
- are curious about how credit decisions are made
- enjoy working with data and financial systems
- like building products that support complex decision making
The Opportunity This role provides a rare prospect to shape how credit decisions evolve from manual processes to intelligence-driven systems within a large lending business.