Kotak Mahindra Bank—Credit Manager-RELATIONSHIP BANKING GROUP-Credit

Job description

Description: Job Role : Credit Manager for RBG - Detailed Job role - Creditworthiness Assessment and Management: Analysing financial data and statements to determine the creditworthiness of individuals or firms and the associated risk in extending credit. - Policy and Procedure Implementation: Establishing and monitoring processes related to credit management, including credit policies, vendor management and documentation. - Regulatory Compliance and Reporting: Ensuring adherence to credit policies, regulatory guidelines (e.g., RBI regulations in India) and internal audit compliance. - Portfolio Monitoring and Analysis: Tracking deviations, analysing delinquent cases, and identifying early warning signals related to credit risk. - Vendor and Agency Coordination: Liaising with external agencies (e.g., legal and technical agencies) and vendors to resolve queries and ensure timely report submissions. - Business Development and Support: Partnering with sales teams to achieve business targets and providing credit-related support for product growth. - JOB REQUIREMENT - Education: B. Com with CA/CMA, MBA (Finance) or equivalent degree with experience in WC. - Experience: Min 3 years experience in credit management especially WC with mid to high ticket exposure - Analytical Skills: The ability to interpret financial reports, analyse data, and assess creditworthiness. - Communication and Interpersonal Skills: Effective communication and negotiation skills for interacting with clients, colleagues, and senior management.