Job Title: Software Product Manager – Microfinance (MFI)

Location: Mumbai/Hyderabad/Gurgaon

Department: Digital Lending / MFI Technology

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:

• Product Strategy & Ownership:

o Define and own the product roadmap for MFI digital platforms, aligned with Kotak's business objectives.

o Translate MFI business needs into scalable, secure, and user-friendly digital solutions.

• Internal Collaboration:

o Work closely with internal stakeholders including Business, Technology, Operations, Risk, Compliance, and Analytics teams.

o Ensure seamless integration with Kotak's core banking systems, LOS, LMS, and other internal platforms.

• Execution & Delivery:

o Lead product lifecycle from ideation to deployment, using Agile methodologies.

o Create detailed product specifications, user stories, and acceptance criteria.

• Customer-Centric Design:

o Advocate for the end-user experience

o Incorporate feedback from field teams and internal users to refine product features.

• Performance Monitoring:

o Track product KPIs such as adoption, usage, turnaround time, and operational impact.

o 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.