Lending decisions in commercial banking involve a complex combination of credit evaluation, data analysis and operational judgment.
Many of these processes still rely on manual analysis and fragmented systems.
Kotak’s Commercial Banking division is investing in building data-driven credit journey products that help underwriters make faster, better-informed decisions.
We are looking for a Product Manager to build products that support underwriting and credit decision making across the lending lifecycle.
These products will help credit teams:
This role focuses on building products that improve how lending decisions are made.
Examples of product areas include:
Products that provide risk insights and structured data for credit teams.
Platforms that incorporate bureau, financial and alternative data sources.
Tools that monitor portfolio health and highlight emerging risks.
Products that structure how underwriting decisions move through operational processes.
Own the roadmap for credit decision support systems.
Collaborate closely with underwriting and risk teams to understand decision frameworks.
Work with analytics and engineering teams to deliver scalable solutions.
Design products that reduce manual analysis and improve consistency.
This role is well suited for product managers interested in building financial decision systems.
You will likely enjoy this role if you:
This role provides a rare opportunity to shape how credit decisions evolve from manual processes to intelligence-driven systems within a large lending business.
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
