Please find below JD for IJP.
Key Responsibilities
Credit Evaluation: Assess the creditworthiness of potential and existing clients by reviewing financial statements and other relevant documents.
Policy Development: Develop and implement credit policies and procedures to mitigate credit risk while optimizing profitability.
Team Management: Supervise and mentor a team of credit analysts, ensuring effective credit operations within the area.
Cross-Department Collaboration: Liaise with sales, finance, and other departments to ensure seamless credit processes and resolve any issues that arise.
Risk Assessment: Conduct periodic credit reviews and risk assessments to monitor portfolio health and compliance with company policies and regulatory requirements.
Qualifications
Education: A bachelor's degree in Finance, Accounting, Business Administration, or a related field is typically required.
Experience: A minimum of 8-10 years of experience in credit management or a related finance role is preferred, with proven leadership skills.
Skills: Strong understanding of credit risk assessment, financial analysis, and excellent communication and interpersonal skills are essential. High attention to detail and strong analytical abilities are also critical for success in this role.
Additional Information
Work Environment: The role involves working in logistics, infrastructure, construction funding, where credit management is crucial for business operations.
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
