| Job Title | Senior Manager / AVP – SA Portfolio & Channel Engagement (Household) |
| Official Role Name | HO Product Manager – Household |
| Business Vertical | Liabilities – Savings Account (SA) Portfolio |
| Job Category | Consumer Bank |
| Location | Mumbai, Maharashtra, India |
| Office Address | Kotak Infiniti, Building No. 21, Mumbai – 400097 |
| Job Identification | 223455 |
| Posting Date | 13 January 2026 |
| Apply Before | 14 February 2026 |
| Education Required | Bachelor’s Degree |
| Experience Required | 5 – 10 Years |
| Role Objective | Grow Savings Account (SA) portfolio by improving AMB, RV, PH, digital usage and SKY channel productivity |
| Portfolio Managed | SA OTB (On-The-Book) customer base |
| Key Metrics (KPIs) | AMB, RV, Product Holding (PH), Digital Adoption, Book Growth, Attrition, Activation |
| Primary Channel Focus | SKY Channel |
| Core Responsibilities | Portfolio management, channel productivity, customer engagement, analytics & dashboards, competitor benchmarking |
| Analytics Responsibility | Build daily/weekly/monthly MIS, dashboards, performance & management decks |
| Customer Strategy | Segmentation based on demographic, psychographic & behavioral data for engagement, deepening & retention |
| Cross Functional Work | Product, Operations, Marketing, Risk, Service, Analytics |
| Nature of Role | Head Office Strategy, Analytics & Channel Performance |
| Career Level | Senior Manager → AVP → VP (Retail Liabilities / Digital Banking) |
