Program Team - Corporate Employee Solutions

Kotak Mahindra Bank; Mumbai; On-site; INR 1,800,000 - 2,600,000; Full time

Job summary

Kotak Mahindra Bank in Goregaon, Mumbai, invites applications for a Program Manager - Cross Sell in the CES team. The AVP role drives cross-sell across Assets, Credit Cards, TPP and NPS, coordinating with central product teams, Risk/Credit, analytics, and field sales to grow revenue and improve conversions.

You will own cross-sell data, produce weekly dashboards, identify opportunities, and build automated MIS frameworks.

Qualifications

• Experience in Corporate Salary / CES / Liability field roles with strong business understanding.
• Proficiency in Microsoft Excel (pivot tables, VLOOKUP, data analysis).
• Strong analytical mindset with ability to draw actionable insights.
• Good presentation and communication skills (PowerPoint proficiency required).
• Strong stakeholder management and problem-solving capabilities.
• Ability to work in a dynamic environment with flexible hours as per business needs.
• Mandatory location: Infinity Office, Mumbai (non-negotiable).

Responsibilities

• Drive cross-sell business across Assets, Credit Cards, TPP, and NPS.
• Monitor and drive co-origination opportunities across CES products.
• Support field teams in achieving targets with structured interventions.
• Formulate strategies to maximize cross-sell penetration within corporate salary accounts.
• Identify new opportunities and design scalable initiatives/lines of business.
• Disseminate annual budgets to regions and track adherence.
• Provide corporate-level and location-level targeted offers from data insights.
• Act as central data repository and owner of cross-sell data for CES.
• Generate and circulate weekly dashboards and performance reports.
• Enable field teams through data-backed insights to improve productivity and conversions.
• Build automated MIS/reporting frameworks for recurring needs.
• Liaise with Product, Risk/Credit, and Sales leadership across regions.
• Address field-level challenges related to approvals, policies, and product positioning.
• Conduct periodic reviews with the channel to understand gaps and resolve issues.
• Partner with Risk/Credit to ensure hygiene and sourcing quality.
• Identify and resolve data mismatches in cross-sell reporting.
• Drive SOP adherence and enable process improvements through automation.
• Track region-wise and individual-level performance; highlight trends and opportunities.

Skills

Corporate Salary / CES / Liability経験

Excel (Pivot Tables, VLOOKUP)

Analytical mindset

Presentation skills

PowerPoint

Stakeholder management

Adaptability

Tools

Automation tools

MIS development

Job description

Role:Program Team-Corporate Employee Solutions

Function:CorporateEmployee Solutions(CES)
Location:Goregaon, Mumbai
Grade:AVP

Role Overview

TheProgramManager Cross Sell will be responsible for driving cross-sell business across the CES channel by enabling product penetration across Assets, Credit Cards, TPP, and NPS. The role requires strong collaboration with central product teams, field sales teams, Risk/Credit, and analytics to deliver business growth, optimize conversion, and enhance sourcing quality.

The incumbent will act as a key enabler for revenue diversification, leveraging data-driven insights, strategic planning, and operational excellence.

Key Responsibilities

1. Business Delivery & Growth

• Drive cross-sell business across:
  • Assets: Personal Loans (PL), Home Loans (HL), Car Loans
  • Credit Cards
  • Third Party Products (Mutual Funds Cherry, KLI, ZKGI)
  • NPS
• Monitor and drive co-origination opportunities across products within CES channel
• Support field teams in achieving business targets through structured interventions

2. Strategy & Planning

• Formulate strategies to maximize cross-sell penetration within corporate salary accounts
• Identify new opportunities and design scalable initiatives/lines of business
• Disseminate annual budgets to regions and track adherence
• Provide corporate-level and location-level targeted offers basis data insights

3. Data Analytics & MIS

• Act as a central repository and owner of cross-sell data for CES
• Generate and circulate weekly dashboards and performance reports across hierarchy
• Enable field teams through:
  • Opportunity identification (PL pre-approved, CC base, NTB/corpsal book mining)
  • Data-backed insights to improve productivity and conversions
• Build automated MIS/reporting frameworks for recurring requirements

4. Stakeholder Management

• Liaise with central and regional teams across:
  • Product teams (Assets, Cards, TPP, NPS)
  • Risk/Credit teams
  • Sales leadership (Regional/Zone level)
• Address field-level challenges related to approvals, policies, and product positioning
• Conduct periodic reviews with the channel to understand business gaps and resolve issues

5. Governance & Quality Control

• Partner with Risk/Credit to ensure hygiene and sourcing quality, especially for Credit Cards
• Identify and resolve data mismatches/disconnects in cross-sell reporting
• Drive adherence to SOPs and enable process improvements through automation

6. Performance Monitoring

• Track region-wise and individual-level performance across cross-sell products
• Highlight trends, gaps, and opportunities through regular analytical insights

  Eligibility & Requirements

  • Experience in Corporate Salary / CES / Liability field roles with strong business understanding
  • Proficiency in Microsoft Excel (pivot tables, VLOOKUP, data analysis)
  • Strong analytical mindset with ability to draw actionable insights
  • Good presentation and communication skills (PowerPoint proficiency required)
  • Strong stakeholder management and problem-solving capabilities
  • Ability to work in a dynamic environment with flexible hours as per business needs
  • Mandatory location: Infinity Office, Mumbai (non-negotiable)

  Preferred Skills

  • Experience in cross-sell / multi-productprogrammanagement
  • Exposure to automation tools / MIS development
  • Understanding of risk, credit policies, and approval processes
  • Strong bias for execution and ownership

  Why Join This Role?

  • Opportunity to work at the intersection of sales, analytics, and strategy
  • High visibility role with exposure to senior leadership
  • Direct impact on revenue growth across multiple product lines
  • End-to-end ownership of cross-sell ecosystem within CES