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Team Member- CMT-Working Capital-Credit

Kotak Mahindra Bank — Mumbai, MUMBAI

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Experience 0-5 Years yrs

Age 21-35 yrs

Gender Both

Salary Not Disclosed LPA

Department Sales Loans

Product Loans

Job Description

Team Member – Credit Monitoring

Job ID	XXX
Department	Commercial Banking
Number of Positions	1
Location	Infinity It Park, Mumbai
Reporting Relationships	Associate Vice President
Position Grade	Deputy Manager

The Commercial Banking business caters to customers of Bharat, and plays a pivotal role in meeting substantial portion of the priority sector lending obligations of Bank. It offers a range of products for agriculture (Agri) and Tractor Finance, purchase and operations of commercial vehicles and construction equipment, rural housing finance and gold loans. Further, Agri Business Group (ABG), a division within the business, caters specifically to the needs of customers in Agriculture related activities like cultivation, manufacturing, processing and trading segment catering to financials needs of individuals and small & medium enterprises in this segment. Economic environment of urban, semi-urban and rural areas and weather conditions of India influences the business’ operations and performance.’

Job Role:

Monitor ECLGS portfolio for compliance with RBI/NCGTC and internal Bank guidelines.
Track account performance, delinquency trends, SMA status, and early warning signals.
Validate and reconcile ECLGS data submitted by business units and operations teams.
Prepare and publish periodic MIS, dashboards, and portfolio status reports.
Coordinate with Business, Operations, Credit, Collection, and Compliance teams for issue resolution.
Support guarantee claim lodgment, claim tracking, and related reconciliation activities.
Handle data requirements for audits, inspections, and regulatory reviews.
Conduct portfolio analytics and identify risk trends for management reporting.
Ensure timely closure of monitoring exceptions and action items.
Assist in process improvement and automation initiatives within ECLGS monitoring activities.
Any other activity related to monitoring function

Job Requirements:

2-3 years’ experience in Credit or Credit Monitoring.
Ability to multi task, develop rapport with different functionaries like Relationship Managers, Operations, Internal Audit and Credit team.
Ensuring proper TAT & delivery of all the reports through teams.
Ensure timely query resolutions.
Ability to identify opportunities of improvement in process and suggest changes to solve issues
Experience in MSME/Business Banking portfolios preferred.
Exposure to ECLGS scheme operations and monitoring activities will be an added advantage.

Application:

If you wish to apply for this job position, please fill your details in the Kotak Fast Track Application Form and mail to simran.soni@kotak.com

Please mention the following in the subject line as ‘”Position Name” –“Your Name” – “Your

Current Business group”

Opportunity brought to you by Fast Track

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Frequently Asked Questions

What are the eligibility criteria for the Team Member- CMT-Working Capital-Credit job at Kotak Mahindra Bank?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 0-5 Years years of relevant experience expected for this role.

What are the primary responsibilities of a Team Member- CMT-Working Capital-Credit at Kotak Mahindra Bank?

The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Team Member- CMT-Working Capital-Credit at Kotak Mahindra Bank.

Is prior experience required for this position?

This role requires around 0-5 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.

What skills are important for this role?

Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.

How do I apply for the Team Member- CMT-Working Capital-Credit role at Kotak Mahindra Bank?

You can apply directly using the Apply Now button on this page, which will take you to Kotak Mahindra Bank's application process for this role.