Credit Manager

Kotak Mahindra Bank; Kolkata District; On-site; INR 1,200,000 - 2,200,000; Full time

Job summary

Kotak Mahindra Bank invites applications for a Credit Manager – SBE in Kolkata. The role focuses on assessing creditworthiness, approving loans, and monitoring risk within established policies.

You will engage with internal stakeholders and borrowers to ensure compliant, profitable lending practices. The candidate should bring 2–6 years of relevant underwriting experience, CA qualification, and strong financial analysis capabilities to support the SBE credit team in a fast-paced banking

Qualifications

• Experience in evaluating and approving credit applications under policy and risk framework.
• Strong financial statement analysis and use of bureau reports for risk assessment.
• Proficiency with MS Office and loan origination systems.

Responsibilities

• Credit Assessment: review loan applications, financial statements and credit reports to assess creditworthiness.
• Loan Approval: approve or reject based on risk and policy.
• Credit Limit Determination: set limits aligned with borrower capacity and risk.
• Credit Monitoring: track performance and flags early warning signs of default.
• Relationship Management: coordinate with sales, relationship teams and borrowers.
• Reporting: prepare loan performance and risk exposure reports for management.

Skills

Credit underwriting

Financial analysis

MS Office

Loan application systems

Education

CA (Chartered Accountant)

Tools

Loan application systems

MS Excel

Job description

Exciting Career Opportunity at Kotak Mahindra Bank for a Credit Manager role in Small Business Enterprise(SBE) Credit team based at Kolkata.

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 – SBE
• Location: Kolkata
• Grade: Sr Manager and AVP (M3/M4/M5)
• CTC: As per industry standards

We are looking for a Credit Manager in Kolkata 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 Credit underwriting
• CA qualified folks from Banks/NBFC with LAP, Working Capital 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