Senior Principal-Data Science-HO & SUPPORT-CVM CoE - Corporate Centre of Excellence

Product Leader - Data & AI

Commercial Banking | Kotak Mahindra Bank

Build the Operating System of Commercial Banking

Commercial banking has historically run on relationships, manual judgment and fragmented systems.

Over the next few years, that model will fundamentally change.

At Kotak's Commercial Banking business, we are building a new generation of data products and decision systems that will reshape how lending decisions are made across underwriting, collections and commercial operations.

This effort is not about incremental analytics or dashboards.

It is about rebuilding the operating layer of the bank - the systems that determine:

• Which customers and dealers relationship managers focus on
• How underwriting decisions are supported by data
• Which delinquent accounts collections teams prioritize
• How operational teams manage thousands of daily decisions

The ambition is to move from manual execution to intelligence-driven workflows.

Kotak is making significant long-term investments in building these capabilities, with dedicated teams across product, data engineering, analytics and data science.

This is one of the first times a large commercial lending business in India is attempting this transformation at scale.

The Role

We are looking for a Senior Product Manager to lead the development of data-driven products that power critical lending journeys.

This role will own the product charter for key decision systems across areas such as:

• Collections intelligence
• Underwriting decision support
• Dealer and customer intelligence
• Relationship manager productivity

You will define the product roadmap, lead cross-functional product pods, and build systems that shape how decisions are made across the business.

This is a builder role, focused on turning complex operational problems into scalable products.

What You Will Own

You will own the end-to-end development of products that influence real operational decisions.

Examples include:

Collections Intelligence

Products that help teams prioritize recovery actions and allocate field resources more effectively.

Underwriting Decision Support

Tools that help credit teams assess risk faster and more consistently using data and external signals.

Dealer & Customer Intelligence

Systems that identify high-value relationships and guide commercial teams toward the most impactful opportunities.

Operational Decision Systems

Products that convert fragmented operational data into structured workflows and recommendations.

These systems influence thousands of operational decisions every day across a large lending portfolio.

What You Will Do

Define Product Strategy
Own the roadmap for key decision systems across the lending lifecycle.

Build Products End-to-End
Lead cross-functional pods consisting of product managers, analysts, data scientists and engineers.

Translate Problems into Products
Work closely with business teams to identify high-impact operational problems and convert them into product initiatives.

Drive Adoption
Ensure products become embedded into the daily workflows of frontline teams.

Measure Impact
Track how products influence outcomes such as credit risk, recovery efficiency and sales productivity.

What Makes This Role Different

Most product roles focus on consumer apps or SaaS tools.

This role builds decision infrastructure for a large financial institution.

The products you build will influence how teams operate and how financial decisions are made across the organization.

It is a rare opportunity to help define how a large lending business evolves from manual decision making to intelligence-driven systems.

Who Will Thrive Here

This role is best suited for product builders who enjoy tackling complex systems and shaping how organizations operate.

You will likely enjoy this role if you:

• Enjoy solving large operational problems
• Like building systems that influence real-world decisions
• Are comfortable navigating complex environments
• Enjoy turning messy processes into structured products

The Challenge

Banking environments involve regulatory constraints, legacy systems and operational complexity.

Transforming decision systems in this context requires:

• persistence
• systems thinking
• the ability to drive change over time

For the right builders, however, it offers the chance to create lasting systems that operate at massive scale.

The Opportunity

Few product roles offer the chance to:

• Shape the operating layer of a large financial institution
• Build decision systems used by thousands of users
• Influence outcomes across a large lending portfolio

If you enjoy building products that change how organizations function, this role offers the opportunity to do it at scale.