Credit Manager-SUPPORT SERVICES-SME Credit

Kotak Mahindra Bank; Ahmedabad District; On-site; INR 3,000,000 - 4,000,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Credit Manager to lead a team of credit analysts, prioritize proposals with the business teams, and guide the team to produce quality credit notes and monitoring. The role involves vetting appraisal notes and formulating recommendations while ensuring portfolio health and adherence to RBI norms.

The ideal candidate will have 10+ years in credit underwriting, a CA or MBA, strong accounting/BS analysis skills, and excellent communication for cross‑functional

Qualifications

• Minimum 10+ years of experience in Credit Underwriting.
• CA or MBA preferred.
• Strong understanding of accounting standards and balance sheet analysis.
• Knowledge of RBI regulations, SEBI and other statutory bodies requirements.
• Excellent verbal, written communication & presentation skills.

Responsibilities

• Lead a team of credit analysts and prioritize proposals with business teams.
• Vet credit appraisal notes and guide analysts to improve quality and monitoring.
• Discuss terms and conditions for risk assessments and structuring the proposal with senior business members.
• Assist analysts to formulate credit recommendations in notes and monitor portfolio health.
• Escalate non-compliances and early warning signals with action plans.
• Meet clients regularly to obtain updates and coordinate with various bank departments.

Skills

Credit underwriting

Team leadership

Communication

Credit appraisal

Education

CA / MBA

Job description

Job Description:

KMBL - Corporate - Support Services-Credit

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.