Location Credit Manager

19 hours ago


India Kotak Life Insurance Full time

About The Role  

JD - Location Credit Manager 

  1. Credit Assessment & Underwriting
    Evaluate loan applications for Loan Against Property (LAP) and Affordable Housing Loans at the location level.
    Assess borrower profiles, financial statements, and property documents to determine creditworthiness.
    Perform due diligence, including Customer meeting, tele verification check, CIBIL/credit bureau checks, banking analysis, and market references.
    Ensure that loan proposals align with the company's credit policy and risk appetite.

  2. Loan Processing & Decision Making
    Approve loan applications within the designated authority limit and recommend higher-value proposals as required.
    Coordinate with legal, technical, and operations teams to ensure smooth loan processing and disbursement.
    Managing vault and safe keeping of property documents and Identify potential risks in loan proposals and recommend mitigation strategies.

  3. Risk & Portfolio Management
    Monitor the portfolio for early warning signals, delinquencies, and fraud detection.
    Work closely with the collections team to ensure timely follow-ups on overdue accounts.
    Conduct regular credit reviews and portfolio analysis to maintain a healthy loan book.

  4. Compliance & Audit
    Ensure adherence to internal credit policies, RBI/NHB guidelines, and regulatory requirements.
    Maintain proper documentation and ensure audit readiness at all times.
    Work with internal and external auditors to ensure smooth audit processes.

  5. Stakeholder & Team Management
    Provide training and guidance to sales and credit teams on loan policies and credit evaluation.
    Collaborate with business teams to ensure a balance between growth and risk management.
    Engage with legal and technical vendors for smooth processing of loan approvals.

Key Skills & Competencies
Strong understanding of LAP & Affordable Housing Loans underwriting.
Knowledge of legal & technical aspects related to property financing.
Experience in credit risk assessment, financial analysis, and portfolio monitoring.
Familiarity with CIBIL, CRIF, and other credit assessment tools.
Attention to detail, decision-making ability, and problem-solving skills.
Excellent communication and stakeholder management skills.



  • India Kotak Life Insurance Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    About The Role   JD - Location Credit Manager  Credit Assessment & UnderwritingEvaluate loan applications for Loan Against Property (LAP) and Affordable Housing Loans at the location level. Assess borrower profiles, financial statements, and property documents to determine creditworthiness. Perform due diligence, including Customer meeting, tele...


  • Hyderabad, India Kotak Mahindra Bank Limited Full time

    Job Description - Strong Domain knowledge in Credit. - Assessing the Credit Risk basis geography and security offered references and financials as well as facility structure. - Proactively developing enterprise-wide risk Management strategies and practices for various HL transactions. - Understanding on various operational, legal, technical, market and...


  • Delhi, India Kotak Mahindra Bank Limited Full time

    Job Description Location Credit Manager-Agri Business Group (ABG)-Credit JOB DESCRIPTION Grade-M5 Above Function- Agri credit Role - location Credit manager Max age limit- 25 + Experience- CA - 1 years - Candidate should not be from Retail Credit - Should have Underwriting experience in ticket size of Rs upto 15 Crs - Market, Competitor & Dealer...


  • India Kotak Mahindra Bank Limited Full time

    Job Description Location Credit Manager-Tractors and Farm Equipments (TFE)-Credit Job Role : - Responsible for processing and underwriting of Commercial Vehicles Finance deals as per credit policy - Ensure adherence to credit policy and defined processes and CAM quality and imparting training to Credit Processing Team/ Team Management. - Maintaining...


  • India SCHACH Engineers (P) Ltd. Full time

    * Credit Control Manager * About Schach Engineers: Schach Engineer Pvt Ltd offers a wide range of quality products and services that meets the needs of global customers operating in diverse and demanding markets. We are a perfect blend of the luxury of infrastructure and design competencies with quality consciousness at the core with essential...


  • Hyderabad, India Kotak Mahindra Bank Limited Full time

    Job Description Job Role - Strong Domain Knowledge in Credit. - Assessing the credit risk basis geography and security offered references and financials as well as facility structure. - Proactively developing enterprise-wide risk Management strategies and practices for various LAP products. - Understanding on various operational, legal, technical,...

  • Credit Manager

    3 weeks ago


    India TATA CAPITAL Full time

    Key Deliverables Timely due diligence of the funding proposals of the branches Ensuring the Credit policy implementations Managing and supervising FI agency valuation agency operations Ensuring quality portfolio of the branches within the set parameters Conducting training for FI Channels and cross verticals at regular intervals Visiting Channels ...


  • Bhiwandi, India Axis Bank Full time

    Job Description RC - Area Credit Manager - Mortgages Credit INTERNAL USAGE: No. of Vacancies: Reports to: RCM Is a Team leader Y Team Size: 5-7 Grade: M/SM/AVP Business: Underwriting Department: Retail Credit Sub-Department: CPC Location: About Retail Credit The Retail Credit department in the Bank is a Credit Underwriting department for all retail...


  • Surat, India Kotak Mahindra Bank Limited Full time

    Job Description - Credit Underwriting & policy Implementation.:- underwriting credit proposals while adhering to credit policies , risk framework & regulatory guidelines. - Portfolio Risk Management.:- Monitor delinquency, managing existing portfolio customers, identifying early warning signals for potential NPA's. - Team Management & stakeholder...


  • India HP Full time

    Senior Manager Credit Collections Description - Job Summary This role is responsible for managing and leading teams encompassing various levels of contributors ensuring defined performance objectives resource allocation and efficient resolution of credit and collection matters The role aligns metrics with corporate goals oversees credit and...