Credit Manager-RELATIONSHIP BANKING GROUP-Credit
Credit Manager-RELATIONSHIP BANKING GROUP-Credit
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Job Description
Role Name
Position Purpose :
With the Banks growing asset portfolio there is an imminent need for building systems and processes for analysing data from multiple sources & drilling down to industry / sector level performances through advisories as well as forecasts based on a set of assumptions on both threats and opportunities for growth including specific references to individual borrowers and at group level; eventbased impact analyses tight monitoring of portfolio quality timely identification of accounts that require closer monitoring ability to think through risk mitigating structures / follow up for implementation of review outcomes / action points.
- Portfolio Monitorin Identify manage and minimize shocks / stresses in the Credit Portfolio.
- Analytics and Advisory objective being to establish an enterprise approach focusing on key and emerging risks and opportunities involving the following ;
- Advisories from CRILC / CRISIL and other rating agencies / Capitaline / webinars / research reports.
- Drill down to Industry / Sector performance. Correlate with Banks portfolio on these major Industries / Sectors segments with direction on outlook.
- Maintaining subscription services wherever necessary
- Preparation and monitoring of monthly EWS (Early Warning System) reports.
- Identify accounts under relevant categories which need to be included under the EWS reporting based on the overdue and churning and other such reports and other set identified parameters.
- Coordinate with Zonal / Regional Business and Credit teams to analyze and update the latest information with relevance of such accounts.
- Discuss the identified accounts and report at a Zonal / regional level and subsequently present the EWS report made on a monthly basis to the Group Head / Business Head / Credit Head and to President (Commercial Banking).
- Note the directions / actionable made with regard to specific accounts if any and update the same to the concerned.
- Identify analyze and deep dive on specific accounts which need to be carefully and specifically hind sighted.
- Chartered Accountant
- Past experience of 3 to 5 years
- Strong analytical skills ability to carry out economic analysis build quantitative and financial models to project future performance thus requiring fluency in MS Office Advanced MS Excel (Macros Vlookup Pivot) and MS Powerpoint
- Knowledge of Banks internal data systems Finnacle CORE etc.
- Ability to engage with internal and external stakeholders gain their confidence and persuade them to cooperate with initiatives where required
If you wish to apply for this job position please fill your details in the Kotak Fast Track Application Form and mail to Please mention the following in the subject line as Position Name Your Name Your Current Business Group
Required Experience:
Manager
Employment Type
Full-Time
