Team Member- CMT-Working Capital-Credit

Kotak Mahindra Bank; Mumbai; On-site; INR 600,000 - 800,000; Full time

Job summary

Kotak Mahindra Bank in Mumbai seeks a Team Member - Credit Monitoring to oversee ECLGS portfolios, monitor delinquencies and ensure adherence to RBI guidelines. You will prepare dashboards, support audit requirements and coordinate with multiple teams to drive timely resolutions.

The role emphasizes strong data handling, report delivery and proactive identification of risk signals to support management reporting and process improvements.

Qualifications

• 2–3 years of experience in Credit or Credit Monitoring.
• Ability to multi-task and coordinate with Relationship Managers, Operations, and Credit teams.
• Ability to deliver timely reports and resolve queries efficiently.

Responsibilities

• Monitor ECLGS portfolio for compliance with RBI/NCGTC and Bank guidelines.
• Track delinquency trends, SMA status and early warning signals.
• Prepare MIS, dashboards and portfolio status reports.
• Coordinate with Business, Operations, Credit, Collection and Compliance for issue resolution.
• Support claim lodgment, tracking and related reconciliation activities.

Skills

Credit Monitoring

Multi-tasking

Reporting

Query Resolution

Stakeholder Liaison

Job description

Team Member - Credit Monitoring

Job ID XXX

Department Commercial Banking

Number of Positions 1

Location Infinity It Park, Mumbai

Reporting Relationships Associate Vice President

Position Grade Deputy Manager

The Commercial Banking business caters to customers of Bharat, and plays a pivotal role in meeting substantial portion of the priority sector lending obligations of Bank. It offers a range of products for agriculture (Agri) and Tractor Finance, purchase and operations of commercial vehicles and construction equipment, rural housing finance and gold loans. Further, Agri Business Group (ABG), a division within the business, caters specifically to the needs of customers in Agriculture related activities like cultivation, manufacturing, processing and trading segment catering to financials needs of individuals and small & medium enterprises in this segment. Economic environment of urban, semi-urban and rural areas and weather conditions of India influences the business' operations and performance.

Job Role

• Monitor ECLGS portfolio for compliance with RBI/NCGTC and internal Bank guidelines.
• Track account performance, delinquency trends, SMA status, and early warning signals.
• Validate and reconcile ECLGS data submitted by business units and operations teams.
• Prepare and publish periodic MIS, dashboards, and portfolio status reports.
• Coordinate with Business, Operations, Credit, Collection, and Compliance teams for issue resolution.
• Support guarantee claim lodgment, claim tracking, and related reconciliation activities.
• Handle data requirements for audits, inspections, and regulatory reviews.
• Conduct portfolio analytics and identify risk trends for management reporting.
• Ensure timely closure of monitoring exceptions and action items.
• Assist in process improvement and automation initiatives within ECLGS monitoring activities.
• Any other activity related to monitoring function

Job Requirements

• 2-3 years' experience in Credit or Credit Monitoring.
• Ability to multi task, develop rapport with different functionaries like Relationship Managers, Operations, Internal Audit and Credit team.
• Ensuring proper TAT & delivery of all the reports through teams.
• Ensure timely query resolutions.
• Ability to identify opportunities of improvement in process and suggest changes to solve issues
• Experience in MSME/Business Banking portfolios preferred.
• Exposure to ECLGS scheme operations and monitoring activities will be an added advantage.