Credit Manager-Working Capital-Credit

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

Job summary

Kotak Mahindra Bank in Odisha invites an experienced Credit Manager to lead underwriting for Working Capital Finance and related products. You will mentor a team, evaluate proposals, and ensure timely, high-quality credit decisions while aligning with policy and risk controls.

You will coordinate with sales, legal, operations, and CPAs to drive portfolio quality and business targets. The role requires strong financial analysis, property-related assessment, and effective ground-level policy

Qualifications

• Extensive experience in underwriting Working Capital Finance.
• Strong financial analysis and property-related evaluation.
• Proven leadership of credit teams and portfolio management.

Responsibilities

• Lead and mentor a team of Credit Managers.
• Underwrite and prepare Working Capital Finance proposals.
• Drive high-quality underwriting within defined TAT.
• Visit customers for discussions and deal structuring.
• Monitor portfolio quality through regular reviews.
• Evaluate Home Loans and Loan Against Property proposals.
• Coordinate with sales, operations, legal, technical and service teams.
• Implement head office and local credit policies on ground.
• Mentor CPAs and monitor productivity.

Skills

Credit underwriting

Team leadership

Financial analysis

Portfolio management

Job description

Job Description:

We are seeking a qualified and experienced Credit Manager to lead a team of credit professionals in underwriting and managing proposals for Working Capital Finance, including both fund and non-fund based products. The role involves evaluating customer proposals, structuring deals, and ensuring high-quality credit decisions within defined turnaround times. The ideal candidate will have strong analytical skills, a deep understanding of financials and property-related aspects, and the ability to maintain portfolio quality. The role also includes mentoring team members, coordinating with cross-functional departments, and implementing policies effectively at the ground level.

Responsibilities

• Manage a team of Credit Managers and oversee underwriting activities.


• Underwrite and prepare proposals for Working Capital Finance (fund and non-fund based).


• Ensure high-quality underwriting and support branch business targets through training.


• Conduct customer visits for personal discussions and deal structuring.


• Monitor portfolio quality through regular review of monitoring reports.


• Evaluate proposals for Home Loans and Loan Against Property.


• Make credit decisions within defined turnaround times (TAT).


• Understand property-related aspects such as legal title and market value.


• Coordinate with sales, operations, legal, technical, and customer service teams.


• Implement head office and local credit policies at the ground level.


• Mentor CPAs and monitor their productivity and output quality.