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
- Current-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 - SBE & BL (Bengaluru)
🏢 Kotak Mahindra Bank
📍 Bengaluru