Area Credit Manager - Credit Operations

Area Credit Manager-Vishwas-Credit

As an Area Credit Manager, you will play a crucial role in driving the success of Kotak Mahindra Bank Ltd's credit operations. Your primary responsibility will be to oversee and manage the credit portfolio for the Vishwas-Credit department, ensuring that credit policies and procedures are effectively implemented and adhered to. You will work closely with the credit team to analyze and evaluate credit applications, assess creditworthiness, and make informed decisions on credit approvals. Additionally, you will be responsible for monitoring and managing the credit risk associated with the portfolio, implementing strategies to mitigate risks, and ensuring compliance with regulatory requirements.

• Oversee and manage the credit portfolio for the Vishwas-Credit department.
• Analyze and evaluate credit applications, assessing creditworthiness and making informed decisions.
• Monitor and manage credit risk, implementing strategies to mitigate potential issues.
• Ensure compliance with credit policies, procedures, and regulatory requirements.
• Collaborate with the credit team to develop and implement effective credit management strategies.
• Provide guidance and support to credit officers, ensuring consistent and accurate credit assessments.
• Review and approve credit proposals, considering financial analysis and risk assessment.
• Maintain strong relationships with key stakeholders, including clients and internal teams.
• Stay updated on industry trends and best practices in credit management.
• Prepare and present periodic reports on credit performance and risk management.

• Bachelor's degree in Finance, Business Administration, or a related field.
• Minimum 5 years of experience in credit management or a similar role.
• Strong knowledge of credit policies, procedures, and regulatory requirements.
• Excellent analytical and decision-making skills, with a focus on credit risk assessment.
• Proven ability to lead and manage a team, providing effective guidance and support.
• Proficiency in using credit analysis tools and software.
• Excellent communication and interpersonal skills, with the ability to build relationships.
• Strong organizational and time management skills, with attention to detail.
• Ability to work independently and make sound decisions under pressure.
• Willingness to stay updated on industry developments and best practices.

Experience Level

Mid Level