About this role
Designation: Credit Product Manager-CV, CE & TFE
Division: Commercial Bank Retail Credit
Location: Infinity HO, Mumbai
No of Grade wise Openings: M2 x 1, M3 x 2, M4 x 1
CTC: As per existing CTC and grade parity
About the Role:
This role is responsible for portfolio monitoring & analysis for products under the Commercial Banking division, including:
- Commercial Vehicles, Construction Equipment, Tractor & Farm Equipment, Trade Advances, Crop Loans, Bharat Mortgage, Micro LAP, Microfinance Institutions (MFI)
Key Responsibilities:
- Candidate is expected to monitor portfolio health, to identify early warning signals, trends, exposure concentration & stress, and provide actionable insights to mitigate risk.
- Develop and maintain Dashboards and MIS reports using Excel and Power BI.
- Collaborate with business teams to implement risk mitigation measures thru BRE.
- To Standardize the Credit Policies, Process & to Ensure compliance with internal risk policies and regulatory guidelines.
Skills Required:
- Strong understanding of credit risk principles, portfolio monitoring and metrics.
- Advanced proficiency in MS Excel (data analysis, pivot tables, financial modeling).
- Hands-on experience with Power BI for visualization and reporting.
- Knowledge of Python for automation and advanced analytics (added advantage).
- Excellent analytical and problem-solving skills.
- Good communication and stakeholder management skills.
Education & Experience:
- Minimum Qualification: Graduate (Finance, Commerce, Economics preferred).
- Experience: Prior experience in Credit Risk / Portfolio Monitoring in Commercial Banking or NBFC is preferred.
Other facts
About Kotak
About Kotak Mahindra Group:
Established in 1985, the Kotak Mahindra Group is one of India’s leading financial services conglomerates. In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the Group’s flagship company, received a banking license from the Reserve Bank of India (RBI). With this, KMFL became the first non-banking finance company in India to become a bank – Kotak Mahindra Bank Limited.
The consolidated balance sheet of Kotak Mahindra Group is over 1 lakh crore and the consolidated net worth of the Group stands at 13,943 crore (approx US$ 2.6 billion) as on September 30, 2012.
The Group offers a wide range of financial services that encompass every sphere of life. From commercial banking, to stock broking, mutual funds, life insurance and investment banking, the Group caters to the diverse financial needs of individuals and the corporate sector. The Group has a wide distribution network through branches and franchisees across India, and international offices in London, New York, California, Dubai, Abu Dhabi, Bahrain, Mauritius and Singapore. For more information, please visit the company’s website at https://www.kotak.bank.in/en/home.html
What you'll do
- The role involves monitoring portfolio health and providing actionable insights to mitigate risk. It also includes developing dashboards and collaborating with business teams to implement risk mitigation measures.
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