Credit Manager

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

Job summary

Kotak Mahindra Bank is seeking a Credit Manager for the Thane location with readiness to travel across Mumbai as required by business needs. The role involves assessing creditworthiness, conducting risk analyses, and ensuring regulatory compliance while coordinating with clients and internal teams.

The ideal candidate holds a CA qualification and has strong MS Office and credit analysis software skills, with willingness to travel and manage multiple cases effectively.

Qualifications

• CA qualification with exposure to credit analysis and lending.
• Familiarity with banking regulations and bureau reports is a plus.
• Proficiency in MS Office and loan application systems.

Responsibilities

• Assess creditworthiness of individual and corporate loan applicants.
• Perform risk assessments and interpret financial ratios and cash flows.
• Ensure compliance with regulatory requirements and credit policies.
• Set credit limits and terms; monitor delinquency and risk exposure.
• Collaborate with clients and cross-functional teams to deliver credit solutions.

Skills

Credit analysis

Regulatory compliance

Risk assessment

Client communication

MS Office proficiency

Education

Chartered Accountant (CA)

Tools

Excel

Credit analysis software

Outlook

Job description

We are looking for CA professional for an excellent opportunity to work as Credit Manager in Kotak Mahindra Bank at Thane location and ready to Travel between Locations across Mumbai as per business requirement & for Personal discussion with Clients

• Ability to assess the creditworthiness of individual and corporate loan applicants by analysing financial statements, credit reports, and other relevant information.
• Conduct thorough risk assessments to determine the viability of loan requests. Evaluate and interpret financial ratios, cash flows, and collateral values to make informed credit decisions.
• Familiarity with regulatory frameworks and compliance requirements related to credit operations.
• Manage and mitigate credit risk by setting appropriate credit limits, terms, and conditions
• Excellent communication and interpersonal skills, with the ability to build and maintain relationships with clients and Cross functional teams , necessary to understand their Loan Requirements and provide suitable credit solutions.
• Delinquency monitoring for underwritten cases during the infant stage so as to keep delinquency to almost Nil levels.
• Attention to detail and ability to handle high-volume work, meet deadlines, and manage multiple cases concurrently.
• Proficiency in using credit analysis software and Microsoft Office applications like Excel / Outlook.
• Being a team player while assisting the team in implementing HO & local policies at ground level.
• Handling of CPAs and mentoring them to extract quality in their output. Monitoring their productivity levels

Preferred candidate profile

• CA 2026, 2025,2024 pass outs are welcome to apply
• Understanding of assessing audited financials, banking analysis and bureau reports knowhow is a plus
• Knowledge of MS office and Loan application systems is an added advantage.
• Should be based in Mumbai / Thane/ Navi Mumbai and ready to Travel between Locations across Mumbai as per business requirement & for Personal discussion with Clients

Note: Candidate will be mainly placed in Thane , However will have to travel to Vashi depending on Business Volumes.