Software Product Management II-SUPPORT SERVICES-Data And Analytics - Support Services

Kotak Mahindra Bank; Bengaluru; On-site; INR 1,400,000 - 1,900,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Product Manager to build data-driven products that support underwriting and credit decision making across the lending lifecycle. You will work with underwriting, risk, and analytics teams to deliver scalable solutions that improve decision quality and speed.

The role focuses on tools that consolidate external data, monitor portfolio health, and streamline credit workflows within commercial banking. A strong sense of financial decision making is essential.

Qualifications

• Experience in product management within financial services or banking is a plus.
• Strong analytical and data-driven decision-making abilities.
• Understanding of underwriting and credit decision workflows is desirable.

Responsibilities

• Define the product roadmap for credit decision support systems.
• Collaborate with underwriting and risk teams to understand decision frameworks.
• Build data-driven products with analytics and engineering teams.
• Improve decision efficiency by reducing manual analysis and increasing consistency.
• Monitor portfolio health and evolving credit risk indicators.

Job description

Job Description:

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.