Jób Steven N.
Product - Commercial Cards @Kotak Mahindra Bank
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WORK HISTORY
Product - Commercial Cards @Kotak Mahindra Bank
Mumbai, IN
Product Strategy & Delivery• Launched new commercial card programs, expanding the bank’s B2B payments offering and strengthening customer proposition.• Designed differentiated pricing and rewards structures, driving competitiveness and adoption among corporate clients.• Streamlined client onboarding by integrating card products with working capital solutions and digital-first journeys.• Negotiated cost efficiencies with vendors and partners, reducing implementation and operating expenses.Governance, Compliance & Impact• Directed cross-functional execution with 20+ stakeholder groups, ensuring seamless rollout with full regulatory alignment.• Built end-use monitoring and insurance frameworks, delivering both cost savings and audit readiness.• Implemented advanced authentication measures to enhance payment security and meet regulatory standards.• Recognized in the top performance percentile for consistently driving portfolio growth and high-impact outcomes.
EDUCATION
Bombay Scottish School
ICSE'15
Pace Junior Science College
HSC’17
Indian Institute of Technology, Kharagpur
Interdisciplinary Dual Degree
ABOUT JÓB STEVEN N.
I build things that make payments simpler. Love turning complex ideas into products…
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