Credit Manager

Kotak Mahindra Bank; Bengaluru; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Kotak Mahindra Bank in Bengaluru seeks a Credit Manager for the Working Capital team to handle WC loan processing, credit assessment, and risk management. The role focuses on evaluating borrower creditworthiness, approving loans, and monitoring performance within bank policies.

The ideal candidate has 2-6 years in credit underwriting, a CA or MBA Finance, and strong MS Office and loan systems skills to support decisioning and reporting.

Qualifications

• 2–6 years of experience in credit underwriting.
• CA or MBA Finance from Banks/NBFC with WC or asset domain background.
• Proficiency in MS Office and loan application systems.

Responsibilities

• Credit assessment: Reviewing loan applications, financial statements, credit reports, and other relevant documents to assess creditworthiness.
• Loan approval: Approving or rejecting loan applications based on creditworthiness and adherence to policies.
• Credit limit determination: Setting appropriate credit limits aligned with borrower's capacity and risk.
• Credit monitoring: Continuously monitoring loan performance and mitigating risks.
• Relationship management: Building relationships with internal and external stakeholders.
• Reporting: Preparing reports on loan performance and risk exposure.

Skills

Credit underwriting

Financial analysis

MS Office

Loan application systems

Education

CA or MBA Finance

Tools

Loan origination systems

Job description

Exciting Career Opportunity at Kotak Mahindra Bank for a Credit Manager role in Working Capital Credit team based at Bangalore.

Inviting all CA or MBA finance experienced folks for an excellent opportunity to build your career with one of India’s leading private sector banks

• Position: Credit Manager – Working Capital


• CTC: As per industry standards

We are looking for a Credit Manager in Bangalore who would be responsible for Processing of WC loan applications under surrogate & financials.

Selected candidate would be responsible for evaluating and managing the creditworthiness of potential business borrowers, assessing risks, and ensuring compliance with company credit policies.

He/ She would analyze financial information, monitor loan performance, and manage collections, ultimately minimizing financial risk and maximizing profitability for the lending institution.

*Role & responsibilities :

• Credit Assessment:

Reviewing loan applications, financial statements, credit reports, and other relevant documents to assess a business's creditworthiness.

Identifying potential risks associated with lending to specific businesses, evaluating their ability to repay loans, and determining appropriate loan terms.

• Loan Approval:

Approving or rejecting loan applications based on creditworthiness and adherence to company policies.

• Credit Limit Determination:

Setting appropriate credit limits for approved loans, ensuring they align with the borrower's financial capacity and risk profile.

• Credit Monitoring:

Continuously monitoring the performance of existing loans, identifying early warning signs of potential defaults, and taking necessary actions to mitigate risks.

• Relationship Management:

Building and maintaining relationships with internal stakeholders, such as sales and relationship management teams, as well as external stakeholders, such as borrowers and industry professionals.

• Reporting:

Preparing reports on loan performance, risk exposure, and other relevant metrics for management and other stakeholders.

Eligibility Criteria :

Experience: 2-6 Years relevant experience in Credit underwriting

CA or MBA Finance qualified folks from Banks/NBFC with WC or any asset domain background

Decent understanding of assessing audited financials, banking analysis and bureau reports knowhow

Expertise in MS office and Loan application systems preferred.

Should be competent in Sensing loan purpose, customer interaction, deliver in defined risk framework and uptime task completion etc.

Join Kotak Mahindra Bank and become part of a high-performance team driving growth in the secured lending business