Credit Manager-personal Loan-credit

3 weeks ago


Hyderabad, Telangana, India Kotak Mahindra Bank Full time

Job Category KMBL Degree Level Bachelor s Degree Role Responsibilities Creditworthiness Assessment Evaluate potential personal loan applicants by analyzing financial statements credit reports and payment histories to determine their creditworthiness and ability to repay Loan Application Processing Manage and authorize loan and credit applications deciding to approve or reject requests based on established credit policies and the applicant s financial profile Credit Policy Development Create implement and regularly update the company s credit policies guidelines and procedures to mitigate risk and optimize loan performance Risk Management Develop credit scoring models to predict risks and set credit limits for borrowers thereby managing the overall credit exposure of the organization Loan Portfolio Management Monitor the existing loan portfolio ensuring timely payments and managing overdue accounts through follow-ups and debt settlement negotiations Regulatory Compliance Ensure all lending activities and credit procedures comply with applicable local and national regulations and internal policies


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