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.
Solid 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 (India)
🏢 Kotak Mahindra Bank
📍 India