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 clear 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 This is an Internal document.
About Kotak Mahindra Group:
Established in 1985, the Kotak Mahindra Group is one of India’s leading financial services conglomerates. In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the Group’s flagship company, received a banking license from the Reserve Bank of India (RBI). With this, KMFL became the first non-banking finance company in India to become a bank – Kotak Mahindra Bank Limited.
The consolidated balance sheet of Kotak Mahindra Group is over 1 lakh crore and the consolidated net worth of the Group stands at 13,943 crore (approx US$ 2.6 billion) as on September 30, 2012.
The Group offers a wide range of financial services that encompass every sphere of life. From commercial banking, to stock broking, mutual funds, life insurance and investment banking, the Group caters to the diverse financial needs of individuals and the corporate sector. The Group has a wide distribution network through branches and franchisees across India, and international offices in London, New York, California, Dubai, Abu Dhabi, Bahrain, Mauritius and Singapore. For more information, please visit the company’s website at https://www.kotak.bank.in/en/home.html
