Regional Credit Manager-Bharat Business Loans-Credit
Kotak Mahindra Bank Limited Bangalore
Job Description
Key Responsibilities:- Credit Underwriting & Policy Implementation
Oversee credit underwriting for Loan Against Property (LAP) & Affordable Housing Loans across multiple locations within the assigned region.
Ensure that loan proposals adhere to credit policies, risk frameworks, and regulatory guidelines.Assess financials, income stability, and property-related risks before approving or recommending loans.
Approve loans within the delegated authority and escalate higher-value cases to the appropriate level.
Traveling to all location and branches under supervision for effective review, control and overall management.- Portfolio Risk Management
Work closely with collection teams to minimize delinquencies and optimize recovery strategies.
Analyze regional market trends, borrower profiles, and credit behavior to refine risk assessment.
- Team Management & Stakeholder Collaboration
Lead and mentor location credit managers and ensure alignment with organizational goals.
Conduct training sessions for sales and credit teams to strengthen underwriting standards and fraud control measures.Work closely with the business team to support growth while maintaining portfolio quality.
Collaborate with legal, technical, and compliance teams for seamless loan processing and risk mitigation.
- Compliance & Audit Readiness
Maintain documentation standards to ensure smooth internal and external audits.
Implement process improvements to enhance credit assessment efficiency while minimizing risks.
- Market & Competitor Analysis
Identify new opportunities and risk challenges specific to the regional market.
Key Skills & Competencies: 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.
- 12 years of experience in credit underwriting, risk management, and portfolio monitoring
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