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Team Member- CMT-Working Capital-Credit

Job Description - Team Member- CMT-Working Capital-Credit

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 [email protected]


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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