Key Responsibilities
Product Growth & Portfolio Management
• Drive MSME product penetration across branches, sourcing channels, DSAs, and partner networks.
• Achieve business targets for secured and unsecured MSME products.
• Monitor portfolio performance, utilization levels, income generation, and profitability.
• Identify regional business opportunities and develop growth strategies.
• Increase wallet share and customer retention through suitable product propositions. Product Strategy & Market Development
• Conduct market studies, customer need assessments, and competitor analysis.
• Recommend enhancements in product features, pricing, policy, and processes.
• Launch and implement new MSME products and initiatives within the region.
• Build region-specific acquisition and cross-sell campaigns. Sales Enablement
• Work closely with Regional Business Managers, Area Managers, Branch Managers, and Relationship Managers.
• Conduct regular product training and capability-building programs.
• Support sales teams through customer meetings and complex deal structuring.
• Drive activation and productivity of business channels. Stakeholder Management
• Coordinate with Credit, Risk, Operations, Legal, Compliance, Technology, and Analytics teams.




• Ensure smooth implementation of product programs and policy updates.
• Resolve operational bottlenecks and improve customer onboarding experience. Portfolio Quality & Risk Management
• Monitor delinquency trends and portfolio quality.
• Ensure adherence to regulatory and internal policy guidelines.
• Support collections and early warning management for stressed accounts.
• Maintain portfolio hygiene and risk-adjusted growth. Customer Experience
• Gather customer feedback to improve product offerings.
• Drive turnaround time (TAT) improvements and process efficiency.
• Ensure high levels of customer satisfaction and engagement. Key Performance Indicators (KPIs)
• Business Disbursement / Booked Volume
• Portfolio Outstanding
• Revenue & Profitability
• Product Penetration Rate
• Cross-Sell Income
• Market Share Growth
• Recent-to-Bank Customer Acquisition
• Portfolio Quality (NPA, Delinquency, EWS)
• TAT Adherence
• Channel Activation & Productivity
• Product Training Coverage
• Customer Satisfaction Score Educational Qualification
• CA/ MBA / PGDM (Marketing, Finance, Banking preferred)
• Bachelor’s degree in commerce, Finance, Economics, or related discipline

📌 Zonal Product Manager (Bengaluru)
🏢 Kotak Mahindra Bank
📍 Bengaluru