Mr. Kozlowski is a Portfolio Manager in the Fixed Income group, specializing in structured credit products. He is a Portfolio Manager of Putnam Diversified Income Trust, Putnam Income Fund, Putnam Master Intermediate Income Trust, Putnam Mortgage Securities Fund, Putnam Premier Income Trust, Putnam Short Duration Bond Fund, and several institutional client portfolios. His responsibilities include developing investment strategies within securitized sectors such as agency mortgage-backed securities (MBS), non-agency residential mortgage-backed securities (RMBS), commercial mortgage-backed securities (CMBS), and asset-backed securities. Mr. Kozlowski joined Putnam in 2008 and has been in the investment industry since 1997.