UX Design I-Digital Banking-Net & Mobile Banking HO Team

📍 Job Overview

Job Title: UX Design I - Digital Banking - Net & Mobile Banking HO Team Company: Kotak Location: Bengaluru, Karnataka, India Job Type: Full time Category: User Experience (UX) Design / Product Design Date Posted: 2026-01-19 Experience Level: Entry-Level (0-2 years) Remote Status: On-site

🚀 Role Summary

• Design and develop intuitive and user-friendly interfaces for digital banking applications, focusing on Net and Mobile Banking platforms.
• Collaborate closely with cross-functional teams including product managers, developers, and stakeholders to translate user needs into functional and visually appealing designs.
• Contribute to the end-to-end user experience design process, from research and conceptualization to prototyping and final implementation.
• Ensure the design of digital banking products aligns with user expectations, business objectives, and industry best practices for user interface and user experience.

📝 Enhancement Note: This role is for an entry-level UX Designer within Kotak's Digital Banking division. The focus is on the creation of user interfaces for their net and mobile banking platforms. This implies a need for strong visual design skills combined with an understanding of user-centered design principles within a highly regulated financial services environment.

📈 Primary Responsibilities

• Design user flows, wireframes, mockups, and interactive prototypes for new features and improvements in Net and Mobile Banking applications.
• Conduct user research, usability testing, and gather feedback to iterate on designs and ensure optimal user experience.
• Collaborate with product managers to define user stories, requirements, and design specifications.
• Work closely with developers to ensure accurate implementation of designs and provide necessary design assets.
• Maintain and contribute to a design system or style guide to ensure consistency across digital banking platforms.
• Stay updated with the latest UX/UI trends, best practices, and technologies in the digital banking and fintech space.
• Participate in design reviews and present design solutions to stakeholders, articulating design rationale clearly.
• Ensure designs adhere to accessibility standards and regulatory requirements for financial services.

📝 Enhancement Note: The primary responsibilities emphasize a hands-on approach to UX/UI design, involving the full spectrum from ideation to implementation support. The context of "Digital Banking" and "Net & Mobile Banking" suggests a need for understanding financial transaction flows, security considerations, and user trust in digital interfaces.

🎓 Skills & Qualifications

Education: Bachelor's degree in Design (e.g., Graphic Design, Interaction Design, UX Design), Human-Computer Interaction, Computer Science, or a related field. Experience: 0-2 years of experience in UX/UI design, preferably with a focus on digital products, mobile applications, or web interfaces.

Required Skills:

• Proficiency in UX/UI design tools such as Figma, Sketch, Adobe XD, or similar.
• Strong understanding of user-centered design principles, information architecture, and interaction design.
• Experience with creating wireframes, user flows, prototypes, and high-fidelity mockups.
• Excellent visual design skills with a strong sense of typography, color theory, and layout.
• Ability to collaborate effectively with cross-functional teams, including product managers and developers.
• Good communication and presentation skills, with the ability to articulate design decisions and rationale.
• Understanding of user research methodologies and usability testing.
• Familiarity with agile development methodologies.

Preferred Skills:

• Experience in the financial services or banking industry.
• Knowledge of mobile-first design principles and responsive web design.
• Basic understanding of front-end development (HTML, CSS, JavaScript) to facilitate developer collaboration.
• Experience with design systems and component libraries.
• Familiarity with accessibility guidelines (e.g., WCAG).
• A portfolio showcasing relevant UX/UI design projects.

📝 Enhancement Note: Given the entry-level nature of the role, a strong portfolio is paramount. The "Digital Banking" context suggests that candidates with prior experience or a keen interest in fintech and financial services applications will have an advantage.

📊 Process & Systems Portfolio Requirements

Portfolio Essentials:

• A curated portfolio demonstrating a range of UX/UI design projects, ideally including mobile and web applications.
• Clear case studies for at least 2-3 projects, detailing the problem statement, your role, the design process, challenges faced, and the final outcomes/impact.
• Prototypes or interactive mockups that showcase user flows and interaction design.
• Examples of wireframes, user journey maps, and visual design mockups.
• Evidence of user research or usability testing conducted and how it informed design decisions.

Process Documentation:

• Ability to document design processes, including user flows and interaction specifications.
• Understanding of how to translate user research findings into actionable design requirements.
• Familiarity with creating style guides or contributing to design system documentation.

📝 Enhancement Note: For an entry-level role, the portfolio is the primary evaluation tool. It should clearly articulate the candidate's design thinking process, problem-solving skills, and ability to create user-centric designs, even if the projects are academic or personal.

💵 Compensation & Benefits

Salary Range: Based on industry benchmarks for entry-level UX Designers in Bengaluru, India, the estimated annual salary range is ₹4,00,000 to ₹7,00,000. This range can vary based on the candidate's specific skills, portfolio quality, and interview performance.

Benefits:

• Comprehensive health insurance (medical, dental, vision).
• Paid time off, including vacation, sick leave, and holidays.
• Retirement savings plan (e.g., Provident Fund).
• Opportunities for professional development and training.
• Employee assistance programs.
• Potential for performance-based bonuses.
• Access to Kotak's banking and financial services.

Working Hours: Standard full-time work hours, typically 9:00 AM to 6:00 PM IST, Monday to Friday, with a 40-hour work week. Flexibility may be available based on team needs and project deadlines, but the role is primarily on-site.

📝 Enhancement Note: The salary range is an estimate for an entry-level UX Designer in Bengaluru, India, considering the current market and the specific industry. Benefits are typical for a large financial institution in India.

🎯 Team & Company Context

🏢 Company Culture

Industry: Banking and Financial Services. Kotak Mahindra Bank is a prominent Indian financial services conglomerate, offering a wide range of banking products and services. Company Size: Large Enterprise (Kotak Mahindra Bank is one of India's leading banks with a significant employee base). Founded: 1985 (as Kotak Mahindra Finance Ltd.), with banking operations commencing in 2003.

Team Structure:

• The role is part of the Digital Banking - Net & Mobile Banking HO (Head Office) Team.
• This team likely comprises UX/UI designers, product managers, business analysts, and potentially interaction designers.
• Collaboration will extend to development teams, QA, marketing, and other business units responsible for digital channels.

Methodology:

• Kotak likely employs agile methodologies for digital product development, emphasizing iterative design and development cycles.
• A strong focus on data analytics and user feedback to drive product improvements and strategic decisions.
• Emphasis on compliance, security, and regulatory adherence due to the nature of the banking industry.

Company Website: https://www.kotak.com/

📝 Enhancement Note: Kotak is a well-established and reputable financial institution. The culture likely balances innovation in digital services with the stringent requirements of the banking sector. The "HO Team" suggests a central role in defining digital strategy.

📈 Career & Growth Analysis

Operations Career Level: This is an entry-level UX Design I position, focusing on foundational design tasks and learning. It represents the initial step in a UX design career path within Kotak. Reporting Structure: The UX Design I will likely report to a UX Design Lead or a Product Design Manager within the Digital Banking division. Operations Impact: While this role is focused on design, successful UX/UI can significantly impact customer acquisition, retention, transaction volume, and overall customer satisfaction for Kotak's digital banking platforms. Well-designed interfaces reduce support costs and enhance brand perception.

Growth Opportunities:

• Progression to UX Design II, Senior UX Designer, or specialized roles like Interaction Designer or UX Researcher.
• Opportunities to lead design for specific features or products within Net and Mobile Banking.
• Potential to move into Product Management or other digital strategy roles.
• Access to internal training programs and potential sponsorship for external certifications or courses in advanced UX/UI and related fields.

📝 Enhancement Note: The growth path is typical for a UX designer, moving from execution to more strategic and leadership responsibilities. The emphasis on digital banking provides a specialized niche for career development.

🌐 Work Environment

Office Type: Kotak operates modern corporate offices designed to foster collaboration and innovation, while also adhering to the professional standards of a financial institution. Office Location(s): The role is based in Bengaluru, Karnataka, at the specified address: 8th Floor, Building known as ‘ECOWORLD – 4D, situated in Bellandur, Sarjapur Outer Ring Road, Bengaluru, 560103. This is a well-known IT and business hub in Bengaluru.

Workspace Context:

• The workspace will likely be an open-plan office environment or a designated design area, encouraging interaction with peers and cross-functional teams.
• Access to standard office technology, including high-performance workstations and necessary software licenses for design tools.
• Opportunities for informal and formal collaboration sessions, design critiques, and team meetings.

Work Schedule: Primarily an on-site role, requiring full-time presence during standard business hours. While some flexibility might be possible based on team dynamics, the expectation is for consistent office attendance to facilitate collaboration and team integration.

📝 Enhancement Note: Bengaluru is a major technology and business center in India, suggesting a dynamic work environment. The on-site requirement emphasizes the importance of in-person collaboration for design roles.

📄 Application & Portfolio Review Process

Interview Process:

• Initial Screening: HR or Recruiter will review applications and resumes for basic qualifications and alignment.
• Portfolio Review: Candidates will be asked to submit a portfolio for evaluation by the hiring manager and design team.
• Technical Interview: May include a design exercise or a detailed discussion of portfolio projects, focusing on design process, problem-solving, and rationale.
• Hiring Manager Interview: Focus on cultural fit, team collaboration, and understanding of the role's responsibilities.
• Final Round: Potentially involves a panel interview with key stakeholders or senior management.

Portfolio Review Tips:

• Clarity is Key: Clearly articulate your role, the problem you solved, your design process, and the impact of your work.
• Showcase Process: Don't just show final screens; demonstrate your journey, including research, wireframes, iterations, and testing.
• Tailor to Banking: If possible, highlight any projects relevant to finance, e-commerce, or complex user flows.
• Professional Presentation: Ensure your portfolio is well-organized, visually appealing, and easy to navigate. Use high-quality mockups and prototypes.
• Quantify Impact: Wherever possible, use data or metrics to demonstrate the success of your designs (e.g., improved conversion rates, reduced error rates, positive user feedback).

Challenge Preparation:

• Be prepared for a design challenge that might involve a short exercise to assess your problem-solving skills under time constraints.
• Practice articulating your design thinking process verbally and visually.
• Understand the core functionalities and user needs within digital banking.

📝 Enhancement Note: The portfolio review is a critical step. Candidates should prepare to discuss their design choices in detail and demonstrate their understanding of user-centered design within a business context.

🛠 Tools & Technology Stack

Primary Tools:

• Design & Prototyping: Figma (highly probable, industry standard), Sketch, Adobe XD. Proficiency in at least one is essential.
• Collaboration: Jira, Confluence (for project management and documentation).
• Communication: Microsoft Teams, Slack, or similar internal communication platforms.

Analytics & Reporting:

• Familiarity with analytics platforms like Google Analytics, Adobe Analytics, or internal custom dashboards may be beneficial for understanding user behavior post-launch.

CRM & Automation:

• Not directly applicable to the UX Design role, but understanding how user data from CRM and other systems influences design is valuable.

📝 Enhancement Note: Proficiency in modern UX/UI design and prototyping tools, particularly Figma, is a core requirement. Experience with agile project management tools is also highly relevant.

👥 Team Culture & Values

Operations Values:

• Customer-Centricity: A strong focus on understanding and meeting the needs of digital banking customers.
• Innovation: Driving forward with new digital features and improved user experiences.
• Collaboration: Working effectively across teams to deliver cohesive digital products.
• Excellence: Striving for high-quality design and user satisfaction.
• Integrity & Security: Upholding the highest standards of trust and security in financial services.

Collaboration Style:

• Expect a collaborative environment where designers work closely with product managers, developers, and business stakeholders.
• Regular design reviews, stand-ups, and feedback sessions are likely part of the workflow.
• Open communication and a willingness to share ideas and critiques constructively are valued.

📝 Enhancement Note: The culture will likely blend the fast-paced innovation expected in digital product development with the rigorous compliance and security standards of the banking sector.

⚡ Challenges & Growth Opportunities

Challenges:

• Designing for a broad user base with varying levels of digital literacy, particularly in banking.
• Balancing innovative design with stringent regulatory requirements and security protocols.
• Translating complex financial processes into simple, intuitive user interfaces.
• Collaborating effectively with stakeholders who may have differing priorities or technical understanding.
• Staying ahead of evolving digital banking trends and competitor offerings.

Learning & Development Opportunities:

• Deep dive into the intricacies of digital banking and financial services UX.
• Opportunities to learn advanced UX research techniques and usability testing methodologies.
• Training on new design tools and emerging technologies in UX.
• Mentorship from senior designers and product leaders within Kotak.

📝 Enhancement Note: The challenges are inherent to the FinTech UX space, requiring adaptability and a strong problem-solving mindset. The opportunities are focused on specialized skill development within a critical industry.

💡 Interview Preparation

Strategy Questions:

• "Walk me through a project from your portfolio where you had to solve a complex user problem." (Focus on your process, decision-making, and outcomes.)
• "How would you approach designing a new feature for mobile banking, considering security and user trust?" (Assess your understanding of the banking context.)
• "Describe a time you received critical feedback on your design. How did you handle it?" (Evaluate your receptiveness to feedback and collaboration.)
• "What are some of the key UX considerations for digital banking applications?" (Test your industry awareness.)

Company & Culture Questions:

• "What interests you about working for Kotak and in the digital banking space?" (Show genuine interest and research.)
• "How do you stay updated on UX/UI trends?" (Demonstrate continuous learning.)
• "How would you collaborate with a developer who disagrees with your design?" (Assess your teamwork and communication skills.)

Portfolio Presentation Strategy:

• Structure Your Narrative: For each project, clearly define the problem, your role, the process, your solutions, and the results.
• Highlight Iterations: Show how you refined your designs based on feedback or testing.
• Explain Your "Why": Be ready to justify every design decision you made.
• Keep it Concise: Focus on the most impactful projects and insights.
• Be Prepared for Questions: Anticipate questions about your design choices, trade-offs, and challenges.

📝 Enhancement Note: Practice articulating your design process and rationale clearly. Be ready to discuss both your creative vision and your understanding of user needs and business objectives within the financial services context.

📌 Application Steps

To apply for this UX Design position:

• Submit your application through the Oracle Cloud portal link provided.
• Curate Your Portfolio: Select 2-3 of your strongest projects that best showcase your UX/UI design skills, ideally including mobile or web application design. Ensure case studies are detailed and highlight your process.
• Tailor Your Resume: Highlight relevant skills, tools, and any experience (even academic) related to user interface design, user experience principles, and collaboration. Use keywords from the job description.
• Prepare Your Narrative: Practice discussing your portfolio projects and your design philosophy. Be ready to explain why you are a good fit for Kotak and the digital banking team.
• Research Kotak: Familiarize yourself with Kotak Mahindra Bank's digital offerings, mission, and values to demonstrate your understanding and interest.

⚠️ Important Notice: This enhanced job description includes AI-generated insights and industry-standard assumptions. While every effort has been made to provide comprehensive information, candidates should verify specific details, benefits, and requirements directly with Kotak's hiring team.