Credit Manager

Kotak Mahindra Bank; Jaipur; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Kotak Mahindra Bank is seeking a seasoned CV/CE Credit Manager to drive underwriting quality and timely decisions across assigned geographies in India.

You will lead a team of Credit Managers, ensure adherence to credit policy, manage portfolio risk and collaborate with Sales, Collections, Operations, Risk, Legal and RCU teams to maintain healthy portfolio performance.

Qualifications

• CA preferred or MBA/post graduate required.
• Experience in CV/CE, vehicle finance, SME finance, asset finance or corporate credit preferred.
• Strong understanding of financials, cash flows, repayment capacity and portfolio risk.

Responsibilities

• Lead and guide Credit Managers / Location Credit Managers.
• Ensure proper credit assessment for CV/CE 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.

Skills

Credit assessment

Policy compliance

Portfolio risk

Team leadership

Education

CA / MBA or Post Graduate

Job description

Role Purpose

To manage CV/CE credit for the assigned area by ensuring good quality approvals, timely decisions, policy compliance and healthy portfolio.

Key Responsibilities

• Lead and guide Credit Managers / Location Credit Managers.
• Ensure proper credit assessment for CV/CE 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.
• Experience in CV/CE, vehicle finance, SME finance, asset finance or corporate credit preferred.
• Strong understanding of financials, cash flows, repayment capacity and portfolio risk.

Role Summary

CV/CE credit underwriting, team management and portfolio control while ensuring timely, policy-compliant and quality credit decisions.