Kotak - Credit Manager - CA - Business Banking Asset

We are looking for CA freshers who can join in immediately.

Job Description:

As part of Credit team for Business Banking Assets:

The primary job of the credit manager is to understand:

a) the business dynamics,

b) products on offer,

c) various segments to whom we lend,

- ensuring discipline in adherence to processes involved in credit buying

- Underwriting & making proposals of business loans and other products as per location requirement (BL OD/ LAP/WC )

- manage the credit processing agent's activities

- ensure systematic verification processes and coordinate with verification agencies

- be up to date on industries we lend and business environment in general,

- take appropriate credit decision,

- monitor the portfolio sourced,

- understand and interpret the portfolio quality

- interact with sourcing agents

- co-ordinate with internal and external auditors

- get the best audit rating in internal audits.