Area Credit Manager-Commercial Vehicle (CV)-Retail-Credit Common Cost Allocation - CV,CE & SA
Kotak Mahindra Bank
5 - 10 years
Gwalior
Posted: 24/06/2025
Job Description
- To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products
- Support and co-partner with business teams to manage end to end credit approval for the designated region
- Underwrite for all customer segment for retail and high value cases and present to senior level
- Authorize deviations raised and documented by underwriters in compliance with credit policy.
- Finalize review of credit memos, prepared by underwriters, and approval/ decline signoffs on every file after checking for documentation requests.
- Approve all disbursement requests on the basis of achieved adherence to requirements and full documentation attainment at the branch level.
- Ensure timely completion of personal discussion documents through customer visits if required.
- Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.
- Co-ordinate with the recoveries team and generate business insights.
- Lead a team of credit approvers to ensure portfolio quality and delinquencies.
- Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB
- Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan.
- Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy.
- Adhere to all norms and regulations required.
About Company
Kotak Mahindra Bank is one of India's leading private sector banks, offering a wide range of financial services including personal banking, corporate banking, investment banking, insurance, and asset management. Established in 1985 and headquartered in Mumbai, it is known for its innovative banking solutions, customer-centric approach, and strong focus on digital transformation. The bank caters to diverse customer segments, from individuals to large corporations, emphasizing trust, transparency, and growth.
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