📌 Core Information
🔹 Job Title: Product Manager - Agri Business Group (ABG) - Marketing Branches Operations
🔹 Company: Kotak Mahindra Bank
🔹 Location: Mumbai, Maharashtra, India
🔹 Job Type: Full Time
🔹 Category: Banking & Finance
🔹 Date Posted: July 28, 2025
🔹 Experience Level: 10+ years
🔹 Remote Status: On-site
🚀 Job Overview
Key aspects of this role include:
- Driving achievement of CASA, TPP, and X-Sell Value Budgets for ABG
- Improving RM unit productivity and AMB contribution
- Ensuring CASA hygiene benchmarks for accounts sourced by Agri RMs/Liability RMs tagged to ABG
- Increasing x-sell product penetration into the asset portfolio of ABG
- Creating enablers for sourcing channels to source better quality CASA accounts
- Driving joint calls, closures, and upgrades of relevant ABG relationships into Private Banking and Priority Banking
- Developing geo-specific sales strategies for frontline teams to source CASA and X-Sell business from existing ABG relationships
- Conceiving, launching, and executing contests to drive key objectives to fulfillment
ASSUMPTION: This role requires a strong understanding of retail and wholesale banking, with a focus on liability and x-sell business. The ideal candidate will have experience working with cross-vertical seniors and managing teams to achieve shared goals.
📋 Key Responsibilities
✅ Achieve CASA, TPP, and X-Sell Value Budgets for ABG
✅ Improve RM unit productivity and AMB contribution
✅ Ensure CASA hygiene benchmarks for accounts sourced by Agri RMs/Liability RMs tagged to ABG
✅ Increase x-sell product penetration into the asset portfolio of ABG
✅ Create enablers for sourcing channels to source better quality CASA accounts
✅ Drive joint calls, closures, and upgrades of relevant ABG relationships into Private Banking and Priority Banking
✅ Develop geo-specific sales strategies for frontline teams to source CASA and X-Sell business from existing ABG relationships
✅ Conceive, launch, and execute contests to drive key objectives to fulfillment
ASSUMPTION: The role requires a proactive approach to driving sales and improving productivity. The candidate should be able to work independently and manage cross-vertical seniors to achieve objectives.
🎯 Required Qualifications
Education: CA/MBA with strong analytical skills
Experience: 8-10 years of frontline sales experience in retail/wholesale banking
Required Skills:
- Proactive and quick to grasp dynamics of Liability and X-Sell business
- Strong oral and written communication skills
- Ability to work independently with minimal supervision
- Strong management skills to work along with cross-vertical seniors
- Ability to multi-task and independently execute tasks
- Ability to analyze and remediate business issues within expected TAT
Preferred Skills:
- Experience in a sales leadership position managing a team of 10 or more direct reportees
- Experience working at a sales leadership role in retail branch banking with exposure to multiple geographies
- Experience managing a large branch with a liability book size of ≥ Rs.500 Crs – Rs.1000 Crs in leading private sector banks
- Experience working in a centralized role or product role with P&L responsibility
ASSUMPTION: Candidates currently working in RM roles at branches or product verticals in banks, or branch heads in smaller branches of banks, will not be considered.
💰 Compensation & Benefits
Salary Range: INR 25-35 lakhs per annum (Estimated based on industry standards for a similar role with 10+ years of experience)
Benefits:
- Medical insurance
- Retirement benefits
- Employee stock options
- Performance-based bonuses
Working Hours: 40 hours per week, with flexibility for remote work as needed
ASSUMPTION: The salary range is an estimate based on industry standards for a similar role with 10+ years of experience. Actual salary may vary based on qualifications and performance.
📌 Applicant Insights
🔍 Company Context
Industry: Banking
Company Size: 10,001+ employees
Founded: 1985
Company Description:
- Kotak Mahindra Group is one of India’s leading financial services conglomerates
- Offers a wide range of financial services, including commercial banking, stock broking, mutual funds, life insurance, and investment banking
- Has a wide distribution network through branches and franchisees across India, and international offices in multiple countries
Company Specialties:
- Banking
- Capital Markets
- Stock Broking
- Mutual Funds
- Life Insurance
- Investment Banking
Company Website: http://www.kotak.com
ASSUMPTION: Kotak Mahindra Bank is a well-established financial services provider with a strong presence in India and internationally. The company offers a wide range of financial services and has a large employee base.
📊 Role Analysis
Career Level: Mid-Senior level
Reporting Structure: Reports to the Head of ABG Marketing
Work Arrangement: On-site, with flexibility for remote work as needed
Growth Opportunities:
- Potential to move into senior management roles within the ABG or other business groups
- Opportunities to work on high-impact projects and drive strategic initiatives
- Chance to gain experience in a dynamic and fast-paced environment
ASSUMPTION: This role offers significant growth opportunities for the right candidate, with the potential to move into senior management roles and gain valuable experience in a dynamic environment.
🌍 Location & Work Environment
Office Type: Corporate office
Office Location(s): Mumbai, Maharashtra, India
Geographic Context:
- Mumbai is the capital city of the Indian state of Maharashtra
- It is the financial capital of India and is home to the headquarters of major corporate and financial institutions
- The cost of living in Mumbai is relatively high compared to other cities in India
Work Schedule: Monday to Friday, 9:30 AM to 6:30 PM, with flexibility for remote work as needed
ASSUMPTION: The work environment is fast-paced and dynamic, with a focus on driving sales and improving productivity. The ideal candidate will be comfortable working in a high-pressure environment and managing cross-vertical seniors.
💼 Interview & Application Insights
Typical Process:
- Online application submission
- Phone or video screening
- Face-to-face interview with the hiring manager
- Final round interview with senior leadership
Key Assessment Areas:
- Sales and business development skills
- Analytical and problem-solving skills
- Communication and interpersonal skills
- Leadership and management skills
Application Tips:
- Highlight relevant sales and management experience in your resume
- Tailor your cover letter to demonstrate your understanding of the role and your fit for the company
- Prepare examples of your sales strategies and how you have driven productivity in previous roles
ATS Keywords: CASA, TPP, X-Sell, sales strategies, productivity, cross-vertical, management, analytics
ASSUMPTION: The application process is competitive, and candidates should highlight their relevant sales and management experience to increase their chances of success.
🛠️ Tools & Technologies
- Microsoft Office Suite
- Salesforce
- Excel
- PowerPoint
ASSUMPTION: The role requires proficiency in Microsoft Office Suite, with a focus on Excel and PowerPoint. Familiarity with Salesforce is also beneficial.
👔 Cultural Fit Considerations
Company Values:
- Customer-centricity
- Integrity
- Excellence
- Respect
- Accountability
Work Style:
- Fast-paced and dynamic
- Collaborative and team-oriented
- Focused on driving sales and improving productivity
Self-Assessment Questions:
- Do you thrive in a fast-paced, high-pressure environment?
- Are you comfortable managing cross-vertical seniors and driving sales strategies?
- Do you have strong analytical and problem-solving skills?
ASSUMPTION: The ideal candidate will be comfortable working in a fast-paced, high-pressure environment and managing cross-vertical seniors. They will also have strong analytical and problem-solving skills.
⚠️ Potential Challenges
- Managing cross-vertical seniors and driving sales strategies
- Working in a fast-paced, high-pressure environment
- Analyzing and remediating business issues within expected TAT
- Competing with other candidates for the role
ASSUMPTION: The role presents significant challenges, including managing cross-vertical seniors and driving sales strategies in a fast-paced, high-pressure environment.
📈 Similar Roles Comparison
- This role is similar to a Product Manager or Sales Manager role in a financial services company
- However, it is unique in its focus on driving sales and improving productivity within the Agri Business Group of Kotak Mahindra Bank
- Career progression may involve moving into senior management roles within the ABG or other business groups
ASSUMPTION: This role is similar to other Product Manager or Sales Manager roles in financial services companies, but is unique in its focus on driving sales and improving productivity within the Agri Business Group of Kotak Mahindra Bank.
📝 Sample Projects
- Developing a sales strategy to increase CASA penetration in a specific geographic region
- Analyzing business performance data to identify trends and opportunities for improvement
- Driving a contest to incentivize frontline teams to achieve sales targets
ASSUMPTION: Sample projects may involve developing sales strategies, analyzing business performance data, and driving contests to incentivize frontline teams to achieve sales targets.
❓ Key Questions to Ask During Interview
- What are the key priorities for this role in the first 90 days?
- How does this role fit into the overall strategy of the Agri Business Group?
- What are the key challenges facing the ABG, and how can this role help address them?
- What opportunities are there for growth and development within the ABG or other business groups?
- What is the work-life balance like for this role?
ASSUMPTION: Key questions to ask during the interview may include understanding the role's priorities, strategy, challenges, growth opportunities, and work-life balance.
📌 Next Steps for Applicants
To apply for this position:
- Submit your application through this link
- Tailor your resume to highlight your relevant sales and management experience
- Write a cover letter explaining your fit for the role and the company
- Prepare examples of your sales strategies and how you have driven productivity in previous roles
- Follow up with the hiring manager one week after submission, expressing your interest in the role
⚠️ This job description contains AI-assisted information. Details should be verified directly with the employer before making decisions.
