Area Credit Manager, Home Loan/LAPRole Purpose: To manage Home Loan/LAP credit for the assigned area by ensuring valuable quality approvals, timely decisions, policy compliance and healthy portfolio.

Key Responsibilities

- Lead and guide Credit Managers / Location Credit Managers.
- Ensure proper credit assessment for Home Loan/LAP loan proposals.
- Review customer profile, financials, banking, bureau, cash flows, existing loans, asset value and repayment ability.
- Handle cases across individuals, SMEs, mid-sized and large corporate customers.
- Ensure decisions are taken within policy, delegation and TAT.
- Monitor portfolio quality, early warning signs and delinquencies.
- Ensure proper documentation, compliance and audit readiness.
- Train and support the credit team on policy, process and credit assessment.




- Work closely with Sales, Collections, Operations, Risk, Legal and RCU teams. Desired Profile
- CA preferred / MBA or Post Graduate.
- 78 years of experience in credit assessment / underwriting.
- Experience inHome Loan/LAP, SME finance, asset finance or corporate credit preferred.
- Minimum 2 years of team handling experience preferred.
- Strong understanding of financials, cash flows, repayment capacity and portfolio risk. Role SummaryLead area-level CV/CE credit underwriting, team management and portfolio control while ensuring timely, policy-compliant and quality credit decisions.

📌 Area Credit Manager (Sambhajinagar)
🏢 Kotak Mahindra Bank
📍 Sambhajinagar