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Posted 21 August, 2026

Team Member- CMT-Working Capital-Credit

Kotak Mahindra Bank
Mumbai,Maharashtra,IN,400097 Full Time
Reference: 218_549763_254369

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"

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