Software Product Manager

Kotak Mahindra Bank; Mumbai; On-site; INR 1,500,000 - 2,000,000; Full time

Benefits offered by this job

Innovative product development

Impactful work on financial inclusion

Collaboration with key stakeholders

Job summary

A leading financial institution in Mumbai is seeking an experienced Software Product Manager to lead digital product development for its Microfinance business. The ideal candidate will have over 7 years of product management experience, including at least 3 years in the Microfinance sector. Responsibilities include defining the product roadmap, collaborating with various internal teams, and driving financial inclusion through technology. This role offers a unique opportunity to impact the financial landscape for underserved customers.

Qualifications

• 7+ years of experience in product management, with at least 3 years in the Microfinance industry.
• Strong understanding of MFI business models, customer segments, and operational workflows.
• Proven ability to manage cross‑functional teams and deliver complex projects.

Responsibilities

• Define and own the product roadmap for MFI digital platforms.
• Translate MFI business needs into digital solutions.
• Work closely with internal stakeholders including Business, Technology, Operations, and Compliance teams.
• Lead product lifecycle from ideation to deployment.
• Track product KPIs such as adoption and usage.

Skills

Product management

Agile methodologies

Data analysis

Microfinance business models

Cross-functional team management

Tools

Core Banking Systems (CBS)

Loan Operating System (LOS)

Loan Management System (LMS)

Job description

Job Title: Software Product Manager – Microfinance (MFI)

Experience Level: 10–16 years

Role Overview: We are looking for a strategic and execution-focused Software Product Manager to lead the development of digital products and platforms for Kotak’s Microfinance (MFI) business. This role is central to driving innovation, operational efficiency, and customer-centric solutions within the bank’s internal ecosystem.

The ideal candidate will bring hands‑on experience in the MFI industry and a strong understanding of technology‑led financial inclusion.

Key Responsibilities

• Define and own the product roadmap for MFI digital platforms, aligned with Kotak’s business objectives.
• Translate MFI business needs into scalable, secure, and user‑friendly digital solutions.
• Work closely with internal stakeholders including Business, Technology, Operations, Risk, Compliance, and Analytics teams.
• Ensure seamless integration with Kotak’s core banking systems, LOS, LMS, and other internal platforms.
• Lead product lifecycle from ideation to deployment, using Agile methodologies.
• Create detailed product specifications, user stories, and acceptance criteria.
• Advocate for the end‑user experience.
• Incorporate feedback from field teams and internal users to refine product features.
• Track product KPIs such as adoption, usage, turnaround time, and operational impact.
• Drive continuous improvement through data analysis and iterative development.

Required Qualifications

• 7+ years of experience in product management, with at least 3 years in the Microfinance industry.
• Strong understanding of MFI business models, customer segments, and operational workflows.
• Experience working with internal banking systems like LOS, LMS, CBS, and digital onboarding platforms.
• Proven ability to manage cross‑functional teams and deliver complex projects.

Why Join Us?

• Be part of a high‑impact team driving financial inclusion through technology.
• Work on innovative products that serve millions of underserved customers.
• Collaborate with leaders across Kotak to shape the future of MFI.