As an Area Credit Manager, you will play a vital role in overseeing credit
operations and strategies within the Housing Finance division. Your primary
focus will be on maintaining and enhancing credit quality, managing risk, and
driving business growth. You will lead a team of credit professionals, providing
guidance and expertise to ensure consistent and effective credit
decision-making.

RESPONSIBILITIES

* Lead and manage the credit operations team, providing strategic direction and
guidance.
* Ensure compliance with credit policies, procedures, and regulatory
requirements.
* Review and approve credit applications, assessing borrower's creditworthiness
and risk.
* Monitor and analyze credit portfolio performance, identifying trends and
potential risks.
* Implement and maintain robust credit risk management frameworks and
processes.
* Collaborate with other departments to ensure seamless credit processes and
customer experience.
* Train and mentor credit officers, fostering a culture of continuous
improvement.
* Stay updated on industry trends, best practices,



and regulatory changes in
housing finance.
* Prepare and present credit-related reports and analyses to senior management.
* Build and maintain solid relationships with internal and external
stakeholders.

QUALIFICATIONS

* Bachelor's degree in Finance, Business Administration, or a related field.
* Minimum 8-10 years of experience in credit management, with a focus on
housing finance.
* Proven leadership and management skills, with the ability to lead and
motivate a team.
* Strong analytical and problem-solving abilities, with attention to detail.
* Excellent communication and interpersonal skills for effective collaboration.
* Proficiency in credit risk assessment and management techniques.
* Knowledge of housing finance products, processes, and regulations.
* Ability to work independently and manage multiple priorities.
* Strong computer skills, including proficiency in MS Office and credit
analysis tool

📌 Area Credit Manager-Housing Finance-Credit (Bengaluru)
🏢 Kotak
📍 Bengaluru