Credit Manager - Relationship Banking Group
- Kotak Mahindra Bank
- Kolkata, India
- INR 1,800,000 – INR 2,500,000
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.
Skills
- Credit Risk Assessment
- Financial Statement Analysis
- Working Capital Finance
- Regulatory Compliance
- Portfolio monitoring
- Vendor Management
- Communication
