The Role
Leads credit professionals in underwriting working capital finance, home loans, and loan-against-property proposals. Responsibilities include deal structuring, portfolio monitoring, credit decision-making, customer visits, policy implementation, cross-functional coordination, team training, and mentoring CPAs while maintaining underwriting quality and turnaround times.
Summary Generated by Built In
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.
ResponsibilitiesManage 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.
Skills Required
- Experience managing credit professionals and overseeing underwriting activities
- Strong analytical skills
- Deep understanding of financial statements and financial analysis
- Understanding of property-related matters, including legal title and market value
- Ability to structure credit deals and make timely credit decisions
- Ability to monitor portfolio quality and review monitoring reports
- Ability to coordinate with sales, operations, legal, technical, and customer service teams
- Ability to train, mentor, and monitor the productivity and quality of credit team members
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The Company
What We Do
Kotak Mahindra Group is an Indian financial services conglomerate founded in 1985. Its flagship Kotak Mahindra Bank provides commercial banking and serves individuals and corporate customers through banking, lending, payments, and corporate solutions. Across the wider group, offerings include stock broking, mutual funds, life insurance, and investment banking, addressing diverse personal and corporate financial needs across India.
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