Company Description Kotak Mahindra Group, established in 1985, is one of India's leading financial services conglomerates and the first non-banking finance company in India to become a bank, now known as Kotak Mahindra Bank Limited. The Group has a strong financial foundation with a substantial consolidated balance sheet and net worth, reflecting its stability and growth. It offers a comprehensive range of services including commercial banking, stock broking, mutual funds, life insurance, and investment banking, serving both individuals and corporate clients. Kotak Mahindra has an extensive distribution network across India and international offices in key global financial centers such as London, New York, California, Dubai, Abu Dhabi, Bahrain, Mauritius, and Singapore. This broad presence provides professionals with opportunities to grow within a agile, customer-focused financial institution.

Role Description This is a full-time, on-site Credit Manager role based in Bhubaneshwar/Rourkela/Sambalpur. The Credit Manager will be responsible for assessing and approving credit proposals, evaluating borrower profiles, and ensuring adherence to the bank's credit policies and regulatory guidelines. Day-to-day tasks include analyzing financial statements, reviewing collateral and documentation, monitoring existing credit portfolios, and identifying early warning signals to manage credit risk effectively.



The role involves close coordination with branch teams, risk management, and operations to ensure timely processing of credit applications and high-quality credit decisions. The Credit Manager will also contribute to process improvements, support audits and compliance reviews, and provide regular reporting on portfolio performance and risk metrics.

Qualifications

- Candidates should possess strong skills in Credit Management and Credit, with experience in evaluating and structuring lending proposals.
- Candidates should possess expertise in Credit Risk Management, with the ability to implement and follow risk frameworks and regulatory guidelines.
- Candidates should possess solid Analytical Skills and Finance knowledge to interpret financial statements, cash flows, and market data.
- Relevant academic background preferably CA/CS/CMA/MBA Finance
- Experience in banking or financial services, preferably in credit appraisal, underwriting, or risk analysis.
- Strong attention to detail, sound judgment, and the ability to make data-driven decisions under time constraints.
- Effective communication and stakeholder management skills, with the ability to work collaboratively with cross-functional teams.
- Familiarity with regulatory requirements, internal control processes, and credit documentation standards.

📌 Credit Manager (India)
🏢 Kotak Mahindra
📍 India