Credit Manager-SUPPORT SERVICES-Credit

Kotak Mahindra Bank; Ludhiana; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Credit Manager for KMPL Support Services-Credit in Ludhiana. The role requires evaluating creditworthiness for car loans, managing portfolios, and launching market-driven products with risk mitigants. You will monitor delinquency trends in collaboration with the collections team.

The position demands a minimum of 3 years in retail credit underwriting and qualification of MBA Finance or CA, with strong local language skills in addition to Hindi and English.

Qualifications

• Minimum experience of 3 years under Retail credit underwriting.
• MBA Finance or CA.
• 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.

Responsibilities

• Evaluate the credit worthiness of customers applying for car loans within the prescribed TAT and deciding on the right risk mix for the customer.
• Actively involved in portfolio management which includes understanding the market and monitoring the portfolio.
• Launching of products based on 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.

Skills

Credit underwriting

Portfolio management

Delinquency monitoring

Financial trend analysis

Local language proficiency

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: