Job Description

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

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

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*Position Details:

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- Position: Credit Manager – Working Capital and Business Loan
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- Location: Mumbai
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- Grade: Manager, Sr Manager and AVP (M3/M4/M5)
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- CTC: As per industry standards
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*Job description :

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

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

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

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*Role & responsibilities :

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

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

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- Loan Approval:
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Approving or rejecting loan applications based on creditworthiness and adherence to company policies.

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

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

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- Relationship Management:
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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.

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

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✅ Eligibility Criteria :

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Experience: 0-6 Years relevant experience in Credit underwriting

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

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

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Expertise in MS office and Loan application systems preferred.

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

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

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Apply Now on this excellent opportunity !

📌 Credit Manager (Mumbai)
🏢 Kotak Mahindra Bank
📍 Mumbai