Credit Manager_SUPPORT SERVICES_0140_2734_1043668_HRR

Kotak Mahindra Bank; Gurgaon; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Credit Manager for KMPL Support Services-Credit, based in Gurgaon. The role requires evaluating credit worthiness for car loan applicants, managing portfolio performance, and launching market-aligned products with risk controls.

Candidates should have 3+ years in retail credit underwriting, MBA Finance or CA, and strong knowledge of financial trends as well as local language proficiency beyond Hindi and English.

Qualifications

• 3 years of experience in Retail credit underwriting.
• MBA Finance or CA qualification.
• Knowledge of the local area is essential.
• Fluency in local language aside from Hindi and English.
• Ability to interpret financial trends.

Responsibilities

• Evaluate the credit worthiness of customers applying for car loans within prescribed TAT and determine risk mix for each customer.
• Actively manage the portfolio by understanding market conditions and monitoring performance.
• Launch products based on market needs with appropriate risk mitigants.
• Monitor delinquency parameters through collaboration with the collections team and analyze trends.

Skills

Retail credit underwriting

Portfolio management

Delinquency monitoring

Interpreting financial trends

Education

MBA Finance

CA

Job description

Job Description:

Role - Credit Manager - KMPL Support Services-Credit

Minimum experience of 3 years under Retai credit underwriting.

Minimum qualification MBA Finance or CA.

Job Role

• To evaluate the credit worthiness of various customers applying for car loans, within the prescribed TAT and deciding on the right risk mix for the particular customer.
• Actively involved in portfolio management which includes understanding the market and monitoring the portfolio.
• Launching of products based on the market peculiarities which will facilitate business, with adequate mitigants with regard to risk.
• Monitoring delinquency parameters through constant interactions with the collections team, analyzing trends and suggesting learnings out of the same.

Job Requirements

Skills/Knowledge prerequisites

Knowledge of the location / area is an essential criteria.

Well versed in the local language apart from Hindi and English.

Good knowledge of interpreting financial trends.

Requirements: