Kotak Mahindra Bank - Product Lead - Enterprise Collections

1. Product Strategy & Portfolio Leadership:

- Define and execute the product strategy for Enterprise Collections in alignment with the bank's Transaction Banking and Cash Management strategy.

- Own the roadmap and lifecycle of products including NACH, BBPS, Physical Collections, Virtual Accounts and other emerging enterprise collection propositions.

- Identify new opportunities to expand the bank's collections capabilities and build differentiated propositions for corporate and institutional clients.

- Develop a clear product vision across digital, API-led and platform-based collection journeys.

- Drive prioritisation across multiple products based on customer value, commercial opportunity, regulatory requirements and technology feasibility.

2. Product Development & Execution:

- Lead products end-to-end from concept and business case through design, technology development, launch and scale-up.

- Translate customer and business requirements into clear product propositions, journeys and technology requirements.

- Partner closely with engineering and architecture teams to build scalable and reusable payment capabilities.

- Drive product execution rigor across roadmap, milestones, dependencies, risks and go-live readiness.

- Ensure products are designed for scalability, reliability, security and regulatory compliance.

3. Digital Payments & Ecosystem:

- Bring strong understanding of the digital payments ecosystem, including NACH, BBPS, APIs, virtual accounts, payment rails, digital collections, reconciliation and settlement.

- Work with ecosystem partners such as NPCI, banks, fintechs and technology providers to develop and enhance products.

- Track regulatory and ecosystem developments and translate them into product opportunities and requirements.

- Evaluate emerging payment technologies and business models relevant to enterprise collections.

4. Business & Commercial Growth:

- Partner with sales and business teams to drive adoption, revenue and transaction growth across the collections portfolio.

- Understand corporate customer pain points and translate them into differentiated product propositions.

- Support key client engagements, solutioning and large enterprise implementations where required.

- Develop product business cases, pricing propositions and go-to-market strategies.

- Track portfolio performance through appropriate business, customer and product KPIs.

5. Product Team Leadership:

- Lead, mentor and develop a team of product managers responsible for individual collection products.

- Establish a strong product management culture with clear ownership, accountability and execution discipline.

- Coach product managers on product strategy, customer discovery, prioritisation, stakeholder management and execution.

- Build a strong pipeline of future product leaders within the organisation.

- Ensure effective collaboration across product, technology, sales, operations, risk and compliance teams.

6. Senior Stakeholder Management:

- Act as a senior product representative for Enterprise Collections with internal and external stakeholders.

- Work closely with senior business leaders, technology leadership and key corporate clients.

- Drive alignment across multiple functions where products involve significant technology, operational or regulatory dependencies.

- Represent the bank in relevant industry and ecosystem discussions where required.