Credit Manager - SME Credit Support Services

Kotak Mahindra Bank Limited; Pune District; On-site; INR 1,400,000 - 2,200,000; Full time

Job summary

Kotak Mahindra Bank Limited is seeking a Credit Manager in Mumbai to lead a team of credit analysts and oversee the underwriting and risk assessment of proposals. The role focuses on guiding notes, vetting appraisal papers, and coordinating with business teams on terms and conditions.

The candidate should have 10+ years in credit underwriting, with CA or MBA qualifications and a strong grasp of accounting standards and RBI/SEBI regulations.

Qualifications

• At least 10+ years in Credit Underwriting.
• CA or MBA qualification required.
• Good understanding of Accounting Standards and Balance Sheet Analysis.
• Knowledge of RBI regulations, SEBI and other statutory bodies requirements.
• Strong communication and presentation skills.

Responsibilities

• Lead a team of credit analysts and guide the preparation of notes.
• Vetting of Credit Appraisal notes prepared by credit analysts.
• Discuss Terms & Conditions for risk assessments/structuring with business teams.
• Assist in formulating credit recommendations in notes.
• Monitor portfolio with the team and escalate for non-compliances and early warning signals.
• Meet clients regularly to obtain updates and network across departments.

Skills

Credit underwriting

Team leadership

Communication

Financial analysis

Education

CA / MBA

Job description

Role: Credit Manager | Location: Mumbai

Job role Handling a team of credit analysts Prioritization of proposals in consultation with business team Guide the team of credit analysts to write better quality notes and effective monitoring Vetting of Credit Appraisal notes prepared by credit analysts Discuss with senior members of business team on Terms and Conditions for risk assessments/ structuring of the proposal, transaction Assist the credit analysts to formulate credit recommendation in the note. Closely monitoring of portfolio along with team of credit analysts Escalate with action plan for non-compliances and early warning signals Meeting the clients on regular basis to know the updates Networking within various departments of the bank/ taking reference checks from other banks

Job req Experience required for the Job: At least 10+ years in Credit Underwriting. CA / MBA Good understanding of Accounting Standards, Balance Sheet Analysis. Knowledge of RBI regulations, SEBI and other statutory bodies requirements. Good interaction and communication ability. Excellent verbal, written communication & presentation skills. Experience Level Mid Level