Credit Manager -Working Capital

Kotak Mahindra Bank; Raipur; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Credit Manager in Raipur to assess working capital loan applications and manage credit risk under bank policies.

The role involves evaluating financial statements, credit reports, and collateral with 2–6 years of WC underwriting experience; monitor loans, report to management, and coordinate with sales and operations teams.

You must be based in Raipur and bring CA/CMA credentials or equivalent, with strong MS Office and loan application systems skills.

Qualifications

• 2–6 years of work experience in credit underwriting, preferably WC or asset-based lending.
• Experience with evaluating audited financials and credit reports.
• Strong MS Office skills and familiarity with loan origination systems.

Responsibilities

• Credit assessment of loan applications and financial statements.
• Risk analysis and determination of appropriate loan terms.
• Decisioning on loan approvals or rejections following policy.
• Credit limit setting aligned with borrower risk and capacity.
• Monitoring loan performance and early warning signals.
• Stakeholder relationship management with sales, borrowers and industry contacts.
• Preparing reports on loan performance and risk exposure.

Skills

Credit underwriting

Financial analysis

Risk assessment

Client interaction

Education

CA/CMA

Tools

MS Office

Loan application systems

Job description

We are looking for a Credit Manager in Raipur who would be responsible for Processing of WC loan applications under surrogate & financials.

Selected candidate would be responsible for evaluating and managing the creditworthiness of potential business borrowers, assessing risks, and ensuring compliance with company credit policies.

He/ She would analyze financial information, monitor loan performance, and manage collections, ultimately minimizing financial risk and maximizing profitability for the lending institution.

Role & responsibilities:

• Credit Assessment:

Reviewing loan applications, financial statements, credit reports, and other relevant documents to assess a business's creditworthiness.

• Risk Analysis:

Identifying potential risks associated with lending to specific businesses, evaluating their ability to repay loans, and determining appropriate loan terms.

• Loan Approval:

Approving or rejecting loan applications based on creditworthiness and adherence to company policies.

• Credit Limit Determination:

Setting appropriate credit limits for approved loans, ensuring they align with the borrower's financial capacity and risk profile.

• Credit Monitoring:

Continuously monitoring the performance of existing loans, identifying early warning signs of potential defaults, and taking necessary actions to mitigate risks.

• Relationship Management:

Building and maintaining relationships with internal stakeholders, such as sales and relationship management teams, as well as external stakeholders, such as borrowers and industry professionals.

• Reporting:

Preparing reports on loan performance, risk exposure, and other relevant metrics for management and other stakeholders.

Preferred candidate profile:

• CA/CMA from Banks/NBFC with LAP or Working Capital background
• Must have 2-6 years of work experience in Credit underwriting in WC or any asset domain
• Decent understanding of assessing audited financials, banking analysis and bureau reports knowhow
• Expertise in MS office and Loan application systems preferred.
• Should be competent in Sensing loan purpose, customer interaction, deliver in defined risk framework and uptime task completion etc.
• Should be based in Raipur