Credit Manager

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

Job summary

Kotak Mahindra Bank in Bhopal invites applications for the Credit Manager – Business Loan role. You will evaluate loan applications, assess creditworthiness, determine limits, monitor performance and manage relationships with internal teams and borrowers.

The candidate should have 2–6 years of BL credit underwriting experience, CA qualifications, and strong MS Office and loan application systems skills. This position supports growth in secured lending within a leading private sector bank.

Qualifications

• Experience: 2-6 years in BL Credit underwriting.
• CA qualified folks from Banks/NBFC with BL 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.

Responsibilities

• Credit Assessment: Review loan applications, financial statements, credit reports to assess creditworthiness.
• Loan Approval: Approve or reject loans based on creditworthiness and policies.
• Credit Limit Determination: Set appropriate limits aligned with borrower capacity.
• Credit Monitoring: Monitor loan performance and identify early warning signs.
• Relationship Management: Coordinate with sales, relationship teams and borrowers.
• Reporting: Prepare reports on loan performance and risk exposure.

Skills

Credit underwriting

Credit assessment

Financial statement analysis

Bureau reports knowledge

Education

CA qualification

Tools

MS Office

Loan application systems

Job description

Exciting Career Opportunity at Kotak Mahindra Bank for a Credit Manager role in Business Loan Credit team based at Bhopal.

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

• Position: Credit Manager – Business Loan
• Location: Bhopal
• Grade: Manager, Sr Manager and AVP (M3/M4/M5)
• CTC: As per industry standards

We are looking for a Credit Managers in Bhopal who would be responsible for Processing of 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 BL Credit underwriting

CA qualified folks from Banks/NBFC with BL 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