Product Manager

4 weeks ago

Thane India Kotak Mahindra Bank Limited Full time

Job Description

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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