Credit Product Development Manager

Kotak Mahindra Bank is seeking a Product, Policy & Process Lead to drive Business Loans and Small Business Enterprise (SBE) portfolio growth.

Location: Mumbai (BKC)

Job Role:

• Develop and manage the suite of Business Loan & Working Capital products.
• Define product positioning, pricing strategies, features, and value propositions.
• Conduct market and competitor analysis to identify product enhancements and new opportunities.
• Drive product lifecycle management—from ideation to launch and continuous improvement.
• Periodically review credit policies, underwriting standards, and eligibility criteria.
• Establish guidelines for: Risk assessment frameworks, Financial analysis norms, Industry/segment exposure limits etc.
• Collaborate with Risk/Credit teams to balance portfolio growth vs. asset quality (NPA control).
• Monitor portfolio performance and revise pol...