Team Member- CMT-Working Capital-Credit

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