Credit Manager (CA Fresher)

Kotak Mahindra Bank; Navi Mumbai; On-site; INR 400,000 - 560,000; Full time

Job summary

Kotak Mahindra Bank in Navi Mumbai (Vashi) is seeking CA freshers for a Credit Manager role. You will evaluate creditworthiness, analyze risks, and ensure policy compliance for business borrowers.

You will review financials, monitor loans, and support collections while maintaining strong relationships with internal and external stakeholders. Based in Mumbai area, this entry-level role offers exposure to credit analytics and lending processes.

Qualifications

• CA fresher with upcoming or recent pass-out (CA 2025-2026).
• Understanding of audited financials, banking analysis and bureau reports is a plus.
• Proficiency with MS Office and loan application systems is advantageous.

Responsibilities

• Credit assessment: review applications, financials, credit reports to assess creditworthiness.
• Risk analysis: identify risks and determine loan terms.
• Loan approval: decide approvals based on policies and creditworthiness.
• Credit limit determination: set limits aligned with borrower capacity and risk.
• Interest rate determination: set rates based on risk and policy.
• Loan documentation: ensure completeness of loan agreements and security documents.
• Credit monitoring: track loan performance and flags for defaults.
• Relationship management: coordinate with sales, RM teams and borrowers.
• Reporting: prepare loan performance and risk reports for management.

Skills

Credit assessment

Risk analysis

Loan documentation

Relationship management

Reporting

Education

CA 2025-2026 pass out

Tools

MS Office

Loan application systems

Job description

We are looking for CA Freshers for an excellent opportunity to work as Credit Manager in Kotak Mahindra Bank at vashi location.

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.
• Risk Analysis: 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.
• Interest Rate Determination: Determining interest rates for loans based on factors like credit risk, market conditions, and company policies.
• Loan Documentation: Ensuring the accuracy and completeness of all loan documentation, including loan agreements, security documents, and other relevant paperwork.
• 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.

Preferred candidate profile:

• CA 2025-2026 pass out
• 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 / Navi Mumbai