Credit Manager

Kotak Mahindra Bank · India

E xciting Career Opportunity at Kotak Mahindra Bank for a Credit Manager role in Working Capital Credit team based at Raipur and Mumbai.

Inviting all CA experienced folks for an excellent opportunity to build your career with one of India’s leading private sector bank s

*Position Details:

• Position: Credit Manager – Working Capital
• Location: Raipur and Mumbai
• Grade: Manager, Sr Manager and AVP (M3/M4/M5)
• CTC: As per industry standards

*Job description :

We are looking for a Credit Manager in Raipur and Mumbai who would be responsible for Processing of WC loan applications under surrogate & financials.

Selected candidate would be responsible for evaluating and managing the creditworthiness of potential business borrowers, assessing risks, and ensuring compliance with company credit policies.

He/ She would analyze financial information, monitor loan performance, and manage collections, ultimately minimizing financial risk and maximizing profitability for the lending institution.

*Role & responsibilities :

• Credit Assessment:

Reviewing loan applications, financial statements, credit reports, and other relevant documents to assess a business's creditworthiness.

• Risk Analysis:

Identifying potential risks associated with lending to specific businesses, evaluating their ability to repay loans, and determining appropriate loan terms.

• Loan Approval:

Approving or rejecting loan applications based on creditworthiness and adherence to company policies.

• Credit Limit Determination:

Setting appropriate credit limits for approved loans, ensuring they align with the borrower's financial capacity and risk profile.

• Credit Monitoring:

Continuously monitoring the performance of existing loans, identifying early warning signs of potential defaults, and taking necessary actions to mitigate risks.

• Relationship Management:

Building and maintaining relationships with internal stakeholders, such as sales and relationship management teams, as well as external stakeholders, such as borrowers and industry professionals.

• Reporting:

Preparing reports on loan performance, risk exposure, and other relevant metrics for management and other stakeholders.

✅ Eligibility Criteria :

Experience: 2-6 Years relevant experience in Credit underwriting

CA qualified folks from Banks/NBFC with WC or any asset domain background

Decent understanding of assessing audited financials, banking analysis and bureau reports knowhow

Expertise in MS office and Loan application systems preferred.

Should be competent in Sensing loan purpose, customer interaction, deliver in defined risk framework and uptime task completion etc.

Join Kotak Mahindra Bank and become part of a high-performance team driving growth in the secured lending business

Apply Now on this excellent opportunity !