Product Manager - Credit Decision Support

Kotak Mahindra Bank Limited; Bengaluru; On-site; INR 1,800,000 - 3,000,000; Full time

Job summary

Kotak Mahindra Bank invites a Product Manager II to build data-driven underwriting and credit decision support across the lending lifecycle.

You will collaborate with underwriting, risk, and analytics teams to deliver scalable tools that speed and improve decision making.

This role focuses on data integration, portfolio risk insights, and decision workflow platforms within the commercial banking unit.

Qualifications

• Role requires a Product Manager to build data-driven underwriting and credit decision support across the lending lifecycle.

Responsibilities

• Define Product Roadmap for credit decision support systems.
• Collaborate with underwriting and risk teams to understand decision frameworks.
• Work with analytics and engineering teams to deliver scalable data-driven solutions.
• Design tools that reduce manual analysis and improve consistency.

Job description

Software Product Management II-SUPPORT SERVICES-Data & Analytics - Support services Product Manager – Credit Journeys Commercial Banking | Kotak Mahindra Bank Reimagine Lending Decisions with Data 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.

The Role

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: access structured risk insights integrate external financial data identify early portfolio risks evaluate credit decisions more efficiently This role focuses on building products that improve how lending decisions are made .

What You Will Build

Examples of product areas include:

• Underwriting Decision Support Tools Products that provide risk insights and structured data for credit teams.
• External Data Integrations Platforms that incorporate bureau, financial and alternative data sources.
• Portfolio Intelligence Systems Tools that monitor portfolio health and highlight emerging risks.
• Credit Workflow Platforms Products that structure how underwriting decisions move through operational processes.

What You Will Do

• Define Product Roadmap Own the roadmap for credit decision support systems.
• Work with Credit Teams Collaborate closely with underwriting and risk teams to understand decision frameworks.
• Build Data-Driven Products Work with analytics and engineering teams to deliver scalable solutions.
• Improve Decision Efficiency Design products that reduce manual analysis and improve consistency.

Who Will Thrive Here

This role is well suited for product managers interested in building financial decision systems . You will likely enjoy this role if you: are curious about how credit decisions are made enjoy working with data and financial systems like building products that support complex decision making

The Opportunity

This role provides a rare opportunity to shape how credit decisions evolve from manual processes to intelligence-driven systems within a large lending business.