Kotak Mahindra Bank

Product Lead-Small Business Enterprise-MIS - KMBL

Kotak Mahindra Bank  •  Mumbai, IN (Onsite)  •  4 days ago
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Job Description

– Product, Policy & Process Lead – Small Business enterprises and Business Loans

Department Small Business enterprises and Business Loans – SBE & BL Location Mumbai, BKC Number of Positions 1 Position Grade M7/M8

  • Develop and manage the suite of Business Loan & Working Capital products.
  • Define product positioning, pricing strategies, features, and value propositions.
  • Conduct market and competitor analysis to identify product enhancements and new opportunities.
  • Drive product lifecycle management—from ideation to launch and continuous improvement.
  • Periodically review credit policies, underwriting standards, and eligibility criteria.
  • Establish guidelines for: Risk assessment frameworks, Financial analysis norms ,Industry/segment exposure limits etc.
  • Collaborate with Risk/Credit teams to balance portfolio growth vs. asset quality (NPA control).
  • Monitor portfolio performance and revise policies based on delinquencies, early warning signals, and market conditions.
  • Map and streamline end-to-end loan lifecycle processes.
  • Drive process standardization, automation, and digitization for faster turnaround time (TAT).
  • Work closely with technology teams to build LOS (Loan Origination Systems) and workflow tools.
  • Implement best practices for customer onboarding, documentation, and verification.
  • Identify bottlenecks and continuously improve operational efficiency.
  • Act as a bridge between business, risk, and operations to ensure alignment.
  • Design customer-centric loan journeys and Process with minimal friction
  • Manage Audit and Compliance.
  • Growth in business loan and SBE portfolio (volume & value)
  • Improvement in portfolio quality (lower NPAs/delinquency)
  • Reduction in loan processing TAT
  • Product profitability (ROA/ROE targets)
  • Simplification of processes and automation.
  • Compliance and audit metrics.
  • MBA/PGDM in Finance, Banking, or related field (preferred)

8–15+ years of experience in:

  • Experience in Business loans / MSME/SME lending
  • Product management or credit policy roles
  • Strong understanding of credit underwriting, financial analysis, and risk frameworks
  • Experience in process re-engineering and digital transformation is an advantage
Kotak Mahindra Bank

About Kotak Mahindra Bank

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

Industry
Finance & Insurance
Company Size
10,000+ employees
Headquarters
Mumbai, IN
Year Founded
1985
Website
kotak.com
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