Credit Manager-Working Capital-Credit

Kotak Mahindra Bank; Sahibzada Ajit Singh Nagar; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Kotak Mahindra Bank is seeking a qualified Credit Manager in India to lead a team responsible for underwriting and managing Working Capital Finance proposals, including both fund and non-fund based products.

The role requires strong analytical skills, deep understanding of financials and property-related aspects, and the ability to mentor staff while coordinating with cross-functional departments to implement credit policies effectively at ground level.

Qualifications

• Strong analytical skills and financial acumen.
• Ability to evaluate proposals and structure deals.
• Knowledge of credit policies and regulatory requirements.

Responsibilities

• Lead and mentor a team of Credit Managers.
• Underwrite and prepare Working Capital Finance proposals (fund and non-fund based).
• Ensure high-quality underwriting and support branch targets through training.
• Conduct customer visits for deal structuring and negotiations.
• Monitor portfolio quality via periodic reviews and reports.
• Evaluate Home Loans and Loan Against Property proposals.
• Make timely credit decisions within defined TAT.
• Coordinate with sales, operations, legal, technical, and customer service teams.

Skills

Credit underwriting

Team leadership

Financial analysis

Policy implementation

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.

Requirements: