Role & responsibilities :

- Develop, monitor, and update credit lending policies in line with the bank's credit framework.
- Analyze the impact of credit policies and lending programs to support business growth.
- Draft and implement credit policies, process notes, and compliance frameworks.
- Conduct portfolio monitoring, credit analytics, and risk assessment.
- Develop and maintain credit scoring models, scorecards, and perform back-testing.
- Drive process improvement, digitization, and automation initiatives.
- Coordinate with stakeholders on technology and business projects.
- Perform portfolio hindsighting and support policy reviews based on business and regulatory requirements.

Preferred candidate profile :

- Candidates having understanding on the Working Capital business processes and currently either in the Credit/Product role would be preferred.
- A master's degree in business administration, CA, finance, or a related field, along with relevant years of experience in banking.
- Excellent analytical skills, with the ability to create and process financial spreadsheets.
- Self-driven, robust communication, go-getter attitude and ability to interact with internal stakeholders.

📌 Credit Manager - Working Capital & Credit Analytics (Mumbai)
🏢 Kotak Mahindra Bank
📍 Mumbai