User Experience Lead

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About Kotak:

Kotak Mahindra is one of India's leading banking and financial services groups, offering a wide range of financial services. Established in 1985 as Kotak Mahindra Finance Ltd., it became the first non-banking finance company in India to convert into a bank, Kotak Mahindra Bank Ltd., in 2003.

At Kotak, the journey is as important as the destination. It is driven by conviction to create change through courage and constancy of vision.

Role Summary

As a UX Designer 3, you will own a complex product area (multiple personas/form factors), shape experience strategy with PM/Engineering, and de-risk ambiguous problems. You will also lead AI-powered experience design in your domain—crafting assistant/copilot flows, establishing guardrails, and measuring safe, successful outcomes.

What you'll do

· Define north-star experience and a phased path to value; map end-to-end journeys and service blueprints across channels.

· Plan and run discovery to evaluative research; translate insights into prioritized experience bets tied to KPIs.

· Lead usability studies and experiments (A/B, multivariate) with clear hypotheses and success criteria.

· Design AI experiences: model intents, constraints, and recovery states for assistant/copilot flows.

· Partner with data/ML on prompt patterns, feedback loops, and evaluation metrics (task success, safe-completion).

· Design transparency & control: disclosures, confidence cues, data use notices, and opt-outs.

· Scale our design system in your area—components, patterns, tokens—and raise the quality bar via reviews and audits.

· Collaborate deeply with PM/Eng/Analytics/Legal to balance customer value, feasibility, compliance, and time-to-market.

· Mentor designers; run critiques; codify best practices and playbooks.

What you'll bring

· Must-haves

· 8+ years shipping multi-surface products (web + app) with measurable impact.

· Strong systems thinking, interaction design, and storytelling; comfort with ambiguity and trade-offs.

· Proven experience connecting design to business metrics (activation, retention, revenue proxies, cost-to-serve).

· Hands-on with Figma (advanced components, prototyping), research planning, and experiment design.

· Experience designing AI-enabled features or workflows (assist, summarize, recommend)—with attention to safety and inclusion.

· Good to have

· Familiarity with accessibility (WCAG 2.2 AA) edge cases and engineering annotations.

· Comfort reading product dashboards (Mixpanel/GA4 or similar) and working in Agile.

· Fintech exposure (e.g., KYC, onboarding, lending, payments) and regulatory awareness.

Impact & KPIs (examples)

· ↑ Activation / ↑ Conversion on critical journeys; ↓ Time-to-task.

· Reduce UX defects and support tickets for the owned area post-release.

· AI feature metrics: task success, assist/deflection rate, satisfaction, safe-completion.

How we work

· Evidence-led prioritization: research + analytics + risk lens.

· Responsible AI: human-in-the-loop, transparency, consent, and redress mechanisms.

· Cross-functional alignment via crisp narratives, prototypes, and decision docs.

· Accessible & inclusive by default.

· Design system first for consistency and scale.