Credit Audit

Kotak Mahindra Bank; Mumbai; On-site; INR 1,100,000 - 1,700,000; Full time

Job summary

Kotak Mahindra Bank in Mumbai seeks a credit risk professional to participate in audits and review credit appraisal, sanctioning, monitoring and renewals across consumer, commercial and corporate portfolios.

The role emphasizes evaluating borrower analyses, financial due diligence, and risk monitoring frameworks, with collaboration across business, credit, risk and support teams to resolve findings.

Qualifications

• Experience in credit evaluation, credit risk, lending businesses or related risk/control functions.
• Ability to review policies, regulatory guidelines and governance frameworks.
• Strong analytical and data-driven decision-making skills.

Responsibilities

• Participate in audits across Working Capital, Term Loan, and Non-Fund Based products.
• Review credit appraisal, sanctions, monitoring and renewals for compliance.
• Evaluate borrower assessments, financial analysis and due diligence.
• Assess compliance with sanction conditions and identify risk gaps.
• Identify gaps in risk evaluation, monitoring and governance processes.
• Analyze portfolio trends, exceptions and control weaknesses for insights.
• Collaborate with business, credit, risk and support teams to resolve issues.

Skills

Credit assessment & underwriting

Financial statement analysis

Working capital evaluation

Borrower/industry risk

Credit monitoring & portfolio

Lending policies & governance

Analytical thinking & problem solving

Stakeholder management & communication

Data analysis & MIS insights

Job description

Role & responsibilities

• Participate in audits covering Working Capital, Term Loan, and Non-Fund Based products across Consumer, Commercial, and Corporate Banking portfolios.
• Review credit appraisal, sanctioning, monitoring, and renewal processes to assess adherence to internal policies, regulatory guidelines, and delegated authorities.
• Evaluate borrower assessments, financial analysis, credit due diligence, and risk monitoring frameworks.
• Assess compliance with pre- and post-sanction conditions and identify potential credit, process, and control risks.
• Identify gaps in credit risk evaluation, monitoring, and governance processes, and recommend corrective actions.
• Analyze portfolio trends, exceptions, and control weaknesses to support risk-based insights and recommendations.
• Collaborate with business, credit, risk, and support teams to discuss observations and drive resolution of identified issues.

Preferred candidate profile

Candidates with experience in credit evaluation, credit risk, lending businesses, portfolio monitoring, or related risk and control functions will be well positioned to succeed in this role.

• Credit assessment and underwriting
• Financial statement and ratio analysis
• Working capital and term loan evaluation
• Borrower, industry, and portfolio risk assessment
• Credit monitoring and portfolio management
• Understanding of lending policies, regulatory requirements, and governance frameworks
• Analytical thinking and problem solving
• Stakeholder management and communication skills
• Data analysis, MIS, and business insights