Role & Responsibilities :
Creditworthiness Assessment:

Evaluate potential personal loan applicants by analyzing financial statements, credit reports, and payment histories to determine their creditworthiness and ability to repay.
Loan Application Processing:

Manage and authorize loan and credit applications, deciding to approve or reject requests based on established credit policies and the applicant's financial profile.
Credit Policy Development:

Create, implement, and regularly update the company's credit policies, guidelines, and procedures to mitigate risk and optimize loan performance.
Risk Management:

Develop credit scoring models to predict risks and set credit limits for borrowers, thereby managing the overall credit exposure of the organization.
Loan Portfolio Management:

Monitor the existing loan portfolio, ensuring timely payments and managing overdue accounts through follow-ups and debt settlement negotiations.
Regulatory Compliance:

Ensure all lending activities and credit procedures comply with applicable local and national regulations and internal policies

📌 Credit Manager Personal Loan Credit Secunderabad
🏢 Kotak Mahindra Bank
📍 Secunderabad