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Regional Credit Manager Lead

1 week ago


Bengaluru, Karnataka, India Kotak Mahindra Bank Limited Full time

**Job Overview**

Kotak Mahindra Bank Limited is seeking a seasoned professional to assume the role of Regional Credit Manager for its Bharat Business Loans division. As a key member of our team, you will be responsible for overseeing credit underwriting and portfolio risk management across multiple locations within the assigned region.

**Key Responsibilities**

  • Credit Underwriting & Policy Implementation: Ensure loan proposals adhere to credit policies, risk frameworks, and regulatory guidelines. Assess financials, income stability, and property-related risks before approving or recommending loans.
  • Portfolio Risk Management: Monitor the regional loan portfolio and identify early warning signals for potential NPAs. Work closely with collection teams to minimize delinquencies and optimize recovery strategies.
  • Team Management & Stakeholder Collaboration: Lead and mentor location credit managers to ensure alignment with organizational goals. Conduct training sessions for sales and credit teams to strengthen underwriting standards and fraud control measures.
  • Compliance & Audit Readiness: Ensure adherence to internal credit policies, regulatory norms (RBI, NHB, etc.), and audit requirements. Maintain documentation standards to ensure smooth internal and external audits.
  • Market & Competitor Analysis: Stay updated on industry trends, market dynamics, and competitor strategies to refine credit policies. Identify new opportunities and risk challenges specific to the regional market.

**Requirements**

  • Strong understanding of LAP & Affordable Housing Loan underwriting.
  • Risk management expertise with a focus on portfolio quality.
  • Leadership & team management skills for handling multiple locations.
  • Analytical & decision-making abilities for assessing creditworthiness.
  • Strong knowledge of legal, regulatory, and technical aspects of secured lending.
  • Proficiency in credit scoring tools.
  • Effective communication & stakeholder management skills.