We are looking for a Credit Manager in Kolkata who would be responsible for Processing of SBE 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.

Preferred candidate profile :

- CA/CMA/MBA from Banks/NBFC with LAP or Working Capital background
- Must have 2 plus years of work experience in LAP or Working Capital underwriting and 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.
- Should be based in Kolkata

📌 Credit Manager -Small Business Enterprise (Bhopal)
🏢 Kotak Mahindra Bank
📍 Bhopal