Description
The Credit Manager will play a pivotal role in the Loan Against Property (LAP) division, responsible for credit management and risk mitigation. They will lead a team, ensuring efficient credit processes, and contribute to the bank's overall credit strategy and business objectives.

Responsibilities
- Oversee and manage the credit operations for the Loan Against Property (LAP) division, ensuring compliance with bank policies and regulations.
- Lead a team of credit analysts and officers, providing guidance and support to ensure productive and effective credit processes.
- Conduct thorough credit assessments and evaluations of loan applications, considering financial statements, collateral, and other relevant factors.
- Approve or reject loan applications based on creditworthiness, risk assessment, and the bank's lending criteria.
- Monitor and manage the credit portfolio, identifying potential risks and taking proactive measures to mitigate them.
- Collaborate with other departments, such as underwriting and legal, to ensure a seamless loan approval process.




- Stay updated on industry trends, market conditions, and regulatory changes to adapt credit strategies accordingly.
- Develop and implement credit policies and procedures, ensuring they align with the bank's risk appetite and business goals.
- Provide regular reports and analysis on credit performance, portfolio quality, and risk exposure to senior management.
- Build and maintain strong relationships with key stakeholders, including borrowers, brokers, and other external partners.

Qualifications
- Bachelor's degree in Finance, Business Administration, or a related field, with a preference for a Master's degree in Finance or a relevant specialization.
- Minimum 8-10 years of experience in credit management, with a strong background in loan against property (LAP) or similar asset-based lending.
- Proven track record of successful credit management, including risk assessment, portfolio management, and

📌 Credit Manager-Loan Against Property-Credit (Bengaluru)
🏢 Kotak Mahindra Bank
📍 Bengaluru