Credit Manager_Vishwas_0140_1780_1013755_HRR

Kotak Mahindra Bank; Pune District; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Credit Manager in Pune to assess creditworthiness, conduct risk assessments, and ensure compliance with regulatory and internal policies. You will manage credit decisions, monitor delinquency, and collaborate with cross-functional teams to deliver suitable credit solutions.

The role requires strong analytical skills, proficiency with credit software, and the ability to handle high-volume cases while maintaining accuracy and timelines.

Qualifications

• Assess creditworthiness by analysing financial statements, credit reports, and related data.
• Perform risk assessments to judge loan viability using financial ratios and cash flows.
• Ensure compliance with regulatory frameworks and internal credit policies.

Responsibilities

• Assess applicants' creditworthiness and make informed credit decisions.
• Set credit limits, terms, and conditions to mitigate risk.
• Monitor delinquency and manage high-volume case workload efficiently.
• Utilise credit analysis software and MS Excel to support evaluations.

Skills

Credit analysis

Risk assessment

Regulatory compliance

Stakeholder management

MS Excel

Communication

Teamwork

Tools

Credit software

CRM

Job description

Job Description:

Job Description Credit Manager

• Ability to assess the creditworthiness of applicants by analysing financial statements, credit reports, and other relevant information.
• Conduct thorough risk assessments to determine the viability of loan requests. Evaluate and interpret financial ratios, cash flows, and collateral values to make informed credit decisions.
• Familiarity with regulatory frameworks and compliance requirements related to credit operations.
• Manage and mitigate credit risk by setting appropriate credit limits, terms, and conditions
• Excellent communication and interpersonal skills, with the ability to build and maintain relationships with clients and Cross functional teams , necessary to understand their Loan Requirements and provide suitable credit solutions.
• Delinquency monitoring for underwritten cases during the infant stage so as to keep delinquency to almost Nil levels.
• Attention to detail and ability to handle high-volume work, meet deadlines, and manage multiple cases concurrently.
• Proficiency in using credit analysis software and Microsoft Office applications like Excel / Outlook.
• Being a team player while assisting the team in implementing HO & local policies at ground level.
• Handling of CPAs and mentoring them to extract quality in their output. Monitoring their productivity levels.

Requirements: