Kotak Mahindra Bank

Role: Program Team-Corporate Employee Solutions
Function:
Corporate Employee Solutions (CES)
Location:
Goregaon, Mumbai
Grade:
AVP
Role Overview
The Program Manager – Cross Sell will be responsible for driving cross-sell business across the CES channel by enabling product penetration across Assets, Credit Cards, TPP, and NPS. The role requires strong collaboration with central product teams, field sales teams, Risk/Credit, and analytics to deliver business growth, optimize conversion, and enhance sourcing quality.
The incumbent will act as a
key enabler for revenue diversification
, leveraging data-driven insights, strategic planning, and operational excellence.
Key Responsibilities
1. Business Delivery &amp; Growth
<ul>
<li>Drive cross-sell business across:</li>
<li>Assets: Personal Loans (PL), Home Loans (HL), Car Loans</li>
<li>Credit Cards</li>
<li>Third Party Products (Mutual Funds – Cherry, KLI, ZKGI)</li>
<li>NPS</li>
<li>Monitor and drive
co-origination opportunities
across products within CES channel</li>
<li>Support field teams in achieving business targets through structured interventions</li>
</ul>
2. Strategy &amp; Planning
<ul>
<li>Formulate strategies to maximize
cross-sell penetration within corporate salary accounts</li>
<li>Identify new opportunities and
design scalable initiatives/lines of business</li>
<li>Disseminate annual budgets to regions and track adherence</li>
<li>Provide corporate-level and location-level targeted offers basis data insights</li>
</ul>
3. Data Analytics &amp; MIS
<ul>
<li>Act as a
central repository and owner of cross-sell data
for CES</li>
<li>Generate and circulate
weekly dashboards and performance reports
across hierarchy</li>
<li>Enable field teams through:</li>
<li>Opportunity identification (PL pre-approved, CC base, NTB/corpsal book mining)</li>
<li>Data-backed insights to improve productivity and conversions</li>
<li>Build
automated MIS/reporting frameworks
for recurring requirements</li>
</ul>
4. Stakeholder Management
<ul>
<li>Liaise with central and regional teams across:</li>
<li>Product teams (Assets, Cards, TPP, NPS)</li>
<li>Risk/Credit teams</li>
<li>Sales leadership (Regional/Zone level)</li>
<li>Address field-level challenges related to
approvals, policies, and product positioning</li>
<li>Conduct periodic reviews with the channel to understand business gaps and resolve issues</li>
</ul>
5. Governance &amp; Quality Control
<ul>
<li>Partner with Risk/Credit to ensure
hygiene and sourcing quality
, especially for Credit Cards</li>
<li>Identify and resolve
data mismatches/disconnects
in cross-sell reporting</li>
<li>Drive adherence to SOPs and enable process improvements through automation</li>
</ul>
6. Performance Monitoring
<ul>
<li>Track region-wise and individual-level performance across cross-sell products</li>
<li>Highlight trends, gaps, and opportunities through regular analytical insights</li>
<li>Drive accountability through structured performance reviews</li>
</ul>
Eligibility &amp; Requirements
<ul>
<li>Experience in
Corporate Salary / CES / Liability field roles
with strong business understanding</li>
<li>Proficiency in
Microsoft Excel (pivot tables, VLOOKUP, data analysis)</li>
<li>Strong analytical mindset with ability to draw actionable insights</li>
<li>Good presentation and communication skills (PowerPoint proficiency required)</li>
<li>Strong stakeholder management and problem-solving capabilities</li>
<li>Ability to work in a dynamic environment with flexible hours as per business needs</li>
<li>Mandatory location: Infinity Office, Mumbai (non-negotiable)</li>
</ul>
Preferred Skills
<ul>
<li>Experience in
cross-sell / multi-product program management</li>
<li>Exposure to
automation tools / MIS development</li>
<li>Understanding of risk, credit policies, and approval processes</li>
<li>Strong bias for execution and ownership</li>
</ul>
Why Join This Role?
<ul>
<li>Opportunity to work at the intersection of
sales, analytics, and strategy</li>
<li>High visibility role with exposure to senior leadership</li>
<li>Direct impact on
revenue growth across multiple product lines</li>
<li>End-to-end ownership of cross-sell ecosystem within CES</li>
</ul>

Program Team-Corporate Employee Solutions

Program Team-Corporate Employee Solutions

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