This is an Internal document.

Digital Product Manager – Recommendation Engine (Cross‑Sell & Personalisation)

Position

Manager / Senior Manager (M3 / M4)

Location

Mumbai

Role Overview

Own and drive the bank’s recommendation engine used to cross‑sell products to existing customers across digital and assisted channels. The role is responsible for designing, executing and optimising data‑driven, personalised offer recommendations that recommend the right product to the right customer at the right time, thereby improving engagement, conversion and portfolio penetration.

Growth & Offer Recommendation Strategy

Define and execute cross‑sell and engagement strategies using the bank’s recommendation engine

Drive growth across Credit Cards, Loans, Deposits, Investments and Insurance products

Translate business priorities into executable offer recommendation strategies

Customer Targeting & Personalisation

Recommend the right product to the right customer using eligibility, behaviour and transaction data

Leverage customer segmentation and micro‑segmentation

Enable personalised offers across customer lifecycle stages

Channel Orchestration

Execute offer recommendations across Digital Channels (Mobile Banking, Net Banking, Website)





Coordinate with Physical & Assisted Channels (Branch, Call Centres) to pitch the right product

Journey & Conversion Optimisation

Monitor customer journey drop‑offs

Ensure correct CTA, redirection and end‑to‑end journey

Improve recommendation performance by optimising Click‑to‑Impression (C2I) ratios

Analytics & Performance Tracking

Own the tracking of recommendation and offer performance metrics

This is an Internal document.

Monitor base utilisation, offer fatigue, conversions and overall effectiveness

Conduct business reviews with transparent insights and data‑backed explanations

Cross‑Functional Collaboration & Governance

Act as the SPOC across Business, Product, Marketing, Analytics, Tech, Operations and Compliance

Drive campaign approvals, execution governance and hygiene

Prioritise customer experience across all recommendation and offer journeys

Platform & Process Improvement

Identify opportunities to improve recommendation logic, targeting frameworks and execution efficiency

Drive standardisation of campaign formats, execution processes and controls

Propose data‑driven enhancements to improve overall recommendation effectiveness

📌 Digital Product Manager-Digital Banking-Net & Mobile Banking HO Team (Mumbai)
🏢 Kotak Securities
📍 Mumbai