Product Manager

23 hours ago


Thane Maharashtra, India Kotak Mahindra Bank Full time

Job Category KMBL Degree Level Bachelor s Degree Key Responsibilities Product Strategy Development Develop and own the national strategy for the Crop Loan product portfolio including pricing policy and product design Monitor trends in agri-finance government subsidies e g KCC schemes and rural credit demand to innovate and optimize product offerings Design tailored products based on agro-climatic zones crop patterns and regional farmer needs Portfolio Management Drive growth in loan volumes manage yields NPA levels and overall portfolio quality Conduct regular reviews of product performance customer feedback and competitor offerings Collaborate with credit and collections teams to fine-tune risk parameters and recovery strategies Go-to-Market Sales Enablement Support field teams Zonal Regional Managers Branch Managers with product knowledge sales tools and campaigns Develop training content and conduct capacity-building programs for the sales force Design incentive schemes linked to crop loan targets and quality Digital Process Innovation Collaborate with the digital team to build and refine digital journeys for crop loan application sanction and disbursement Identify opportunities for digitizing field operations and farmer engagement using technology e g mobile apps satellite data APIs with government platforms Stakeholder Regulatory Engagement Coordinate with internal stakeholders legal risk compliance IT marketing to ensure seamless implementation of product policies Represent the bank in meetings with government bodies NABARD or regulatory agencies on crop loan-related matters Monitor and ensure adherence to RBI and NABARD guidelines Key Skills Competencies Strong understanding of rural agricultural lending models and the Indian agri-ecosystem Knowledge of government subsidy schemes e g PMFBY KCC Analytical thinking with strong data-driven decision-making skills Proven ability to work across cross-functional teams Excellent communication presentation and stakeholder management skills Qualification Experience MBA in Finance Agri-Business Rural Management or equivalent 8-15 years of experience in product management rural agri lending or retail banking Experience working in crop loan or related rural finance products is mandatory


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