Key Responsibilities

- Conduct credit appraisal and assessment of Commercial Vehicle (CV) and Construction Equipment (CE) loan proposals.
- Analyze customer profiles, banking transactions, bureau reports, financials, cash flows, and repayment capacity.
- Evaluate asset value, existing obligations, and overall creditworthiness of customers.
- Prepare credit notes and recommend proposals as per credit policy and delegated authority.
- Handle credit assessment for individual customers, transport operators, small businesses, and SME customers.
- Ensure adherence to credit policies, processes, compliance requirements, and prescribed TATs.
- Coordinate with Sales, Operations, RCU, Legal, and Collections teams for smooth processing of proposals.
- Monitor portfolio quality and highlight early warning signals, if any.
- Ensure proper documentation and support audit and compliance requirements.





Stay updated on credit policies, market trends, and underwriting guidelines.

Desired Profile

- Post Graduate preferred.
- 2-5 years of experience in Credit Assessment, Underwriting, or Credit Risk.
- Experience in CV/CE Finance, Vehicle Finance, Asset Finance, SME Finance, or Retail Lending preferred.
- Understanding of financial statements, banking analysis, bureau reports, cash flow, and repayment capacity assessment.
- Knowledge of credit policies, loan documentation, and underwriting processes.
- Strong analytical and decision-making skills.
- Positive communication and stakeholder management abilities.
- Ability to work collaboratively with cross-functional teams.

📌 Credit Processing Associate_Microfinance Business (Mumbai)
🏢 Kotak Securities
📍 Mumbai