1750 Disbursement Jobs - Page 10

Department Agri Business Group (Agri SME Working Capital Loans) Job Title Relationship Manager - Grade M3 / M4 (Manager / Sr. Manager) Portfolio Management Reporting to Area Sales Manager (ASM) Location Job Profile Job Role Candidate should be self-motivated & strong relationship management skills. Requires decent communication skill, understanding of local language will be an advantage. To manage and grow existing portfolio of customers in Agri, Food processing & MSME Industries by offering loan products in line with customer requirements of W orking capital (fund based/non-fund based) & Term Loan facilities Build a strong & robust customer base to increase both assets and liabilities, earn revenue by providing them high standards of service on an ongoing basis. Deepening relationship with existing customers through Cross sell liability & other third party products. Continuous monitoring of the accounts to ensure business is a per budgets Regular monitoring of accounts to ensure there are no delinquencies, portfolio hygiene, post disbursement deferrals closure in time, security perfection To engage with Credit & risk function, legal & technical teams, RCAD & GR team for customer requirements. CA / Graduate/ Post Graduate Diploma / Post Graduate in Banking and Finance / Fresher CAs and MBAs can also apply People from different industries, such as from Agri Input Industries / Accounting firms / insurance companies / rating agencies / NBFCs / MFI Industries / Branch banking background can also apply. Strong oral and written Communication Relationship Management Skill P Job Role Job Role Job Requirements

Job TitleCOLLECTION EXECUTIVE LevelM1 M2 DivisionCOMMERCIAL BANKING GROUP Function :COLLECTIONS Reporting RelationshipLOCATION COLLECTIONS MANAGER (LCH/LRH) Average No. of Direct Reportees 0 - 4 Job Role / KRAs To Ensure Quality portfolio. To focus on improving Collections in the area assigned individually or in a team / as a team. To ensure adherence MOPP Norms. To adhere to the BANKS processes and procedures. To adhere to Audit requirement. Job Requirements, Skills, Knowledge prerequisites Passion for Collection. Willing to Take challenges and responsibility Should have the ability to convince the customer to pay on our terms and conditions Educational Qualifications Graduate & above Experience Profile 1-3 years BenchmarkCompanies CHOLA DBS SUBH LOANS SHRIRAM FINANCE MAGMA SUVIDHA INDIA BULLS SREI HDFC BANK (Group Set up) ICICI BANK(Group Set up)

Candidate should be self-motivated & strong relationship management skills. Requires decent communication skill, understanding of local language will be an advantage. To manage and grow existing portfolio of customers in Agri, Food processing & MSME Industries by offering loan products in line with customer requirements of W orking capital (fund based/non-fund based) & Term Loan facilities Build a strong & robust customer base to increase both assets and liabilities, earn revenue by providing them high standards of service on an ongoing basis. Deepening relationship with existing customers through Cross sell liability & other third party products. Continuous monitoring of the accounts to ensure business is a per budgets Regular monitoring of accounts to ensure there are no delinquencies, portfolio hygiene, post disbursement deferrals closure in time, security perfection To engage with Credit & risk function, legal & technical teams, RCAD & GR team for customer requirements. CA / Graduate / Post Graduate Diploma / Post Graduate in Banking and Finance / Fresher CAs and MBAs can also apply People from Agri Input Industries / rating agencies / NBFCs / Branch banking background with Working Capital Exposure can also apply. Strong oral and written Communication Relationship Management Skill P Job Role Job Role Job Requirements

Department Agri Business Group (Agri SME Working Capital Loans) Job Title Relationship Manager - Grade M3 / M4 (Manager / Sr. Manager) Portfolio Management Reporting to Area Sales Manager (ASM) Location Job Profile Job Role Candidate should be self-motivated & strong relationship management skills. Requires decent communication skill, understanding of local language will be an advantage. To manage and grow existing portfolio of customers in Agri, Food processing & MSME Industries by offering loan products in line with customer requirements of W orking capital (fund based/non-fund based) & Term Loan facilities Build a strong & robust customer base to increase both assets and liabilities, earn revenue by providing them high standards of service on an ongoing basis. Deepening relationship with existing customers through Cross sell liability & other third party products. Continuous monitoring of the accounts to ensure business is a per budgets Regular monitoring of accounts to ensure there are no delinquencies, portfolio hygiene, post disbursement deferrals closure in time, security perfection To engage with Credit & risk function, legal & technical teams, RCAD & GR team for customer requirements. CA / Graduate / Post Graduate Diploma / Post Graduate in Banking and Finance / Fresher CAs and MBAs can also apply People from different industries, such as from Agri Input Industries / Accounting firms / insurance companies / rating agencies / NBFCs / MFI Industries / Branch banking background can also apply. Strong oral and written Communication Relationship Management Skill Job Role Job Requirements

Department Agri Business Group (Agri SME Working Capital Loans) Job Title Relationship Manager - Grade M3 / M4 (Manager / Sr. Manager) Portfolio Management Reporting to Area Sales Manager (ASM) Location Job Profile Job Role Candidate should be self-motivated & strong relationship management skills. Requires decent communication skill, understanding of local language will be an advantage. To manage and grow existing portfolio of customers in Agri, Food processing & MSME Industries by offering loan products in line with customer requirements of W orking capital (fund based/non-fund based) & Term Loan facilities Build a strong & robust customer base to increase both assets and liabilities, earn revenue by providing them high standards of service on an ongoing basis. Deepening relationship with existing customers through Cross sell liability & other third party products. Continuous monitoring of the accounts to ensure business is a per budgets Regular monitoring of accounts to ensure there are no delinquencies, portfolio hygiene, post disbursement deferrals closure in time, security perfection To engage with Credit & risk function, legal & technical teams, RCAD & GR team for customer requirements. CA / Graduate/ Post Graduate Diploma / Post Graduate in Banking and Finance / Fresher CAs and MBAs can also apply People from different industries, such as from Agri Input Industries / Accounting firms / insurance companies / rating agencies / NBFCs / MFI Industries / Branch banking background can also apply. Strong oral and written Communication Relationship Management Skill P Job Role Job Role Job Requirements

Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

Role- Relationship Manager : Job Profile : Candidate should be Self-motivated with High energy Level, Fast and Positive learning attitude and strong team player. Should have excellent communication skill, including Hindi and Local language along with English. Should have the good inter personal skills and polite attitude to handle customers. Should have excellent people Management skills so that he can coordinate between different department / Branches / customers well. Must be Techno Savvy and should be well versed with latest computer skills. Should work with Mantra of Speed, Scale and Skill. Able to source Working capital Loan facilities to Agri Related Industries and Food Processing and Agro Processing Industries and Other Manufacturing Industry in MSME Segment and responsible for overall Quality Business along with size of business. Must have basic knowledge of working capital finance along with understanding of reading balance sheet and P & L. Candidate also having good knowledge about properties / legal will have edge over others since it is a Mortgage Business and loans are secured by properties. Candidate with Knowledge of local area, strong networking and negotiation skill will have edge over others. Sourcing of New Customers and ensure month on month disbursement having ticket size from Rs. 2 crore to Rs. 25 crore. Each RM is expected to do minimum 3 New Cases per month. He is expected to meet and appoint New CAs / Financial Consultants, DMAs, Kotak Bank Branch and source business on daily basis, he has to meet at-leats 2 New Leads every working day. Candidate should have excellent follow-up Management skills. Ensure that Customer requirements and complaints are serviced at the local level with speed and quality. Collaborate with trade finance ,CMS, operation, treasury , legal and branch banking team for seamless customer service Closely work with credit team for managing client expectation and effective risk management Candidate should be willing to run extensively for sourcing the business as the profile is 80% of Filed Job and 20% of Office job. Must have Own Vehicle with valid driving license. Job Requirements : Post Graduate Diploma / Post Graduate in Banking and Finance / And (Major / Minor) Marketing and Finance will have edge over others Strong oral and written Communication Relationship Management Skill l HDFC BBG RM of grade E2 and E3 are preferable.

Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

Role- Relationship Manager : Job Profile : Candidate should be Self-motivated with High energy Level, Fast and Positive learning attitude and strong team player. Should have excellent communication skill, including Hindi and Local language along with English. Should have the good inter personal skills and polite attitude to handle customers. Should have excellent people Management skills so that he can coordinate between different department / Branches / customers well. Must be Techno Savvy and should be well versed with latest computer skills. Should work with Mantra of Speed, Scale and Skill. Able to source Working capital Loan facilities to Agri Related Industries and Food Processing and Agro Processing Industries and Other Manufacturing Industry in MSME Segment and responsible for overall Quality Business along with size of business. Must have basic knowledge of working capital finance along with understanding of reading balance sheet and P & L. Candidate also having good knowledge about properties / legal will have edge over others since it is a Mortgage Business and loans are secured by properties. Candidate with Knowledge of local area, strong networking and negotiation skill will have edge over others. Sourcing of New Customers and ensure month on month disbursement having ticket size from Rs. 2 crore to Rs. 25 crore. Each RM is expected to do minimum 3 New Cases per month. He is expected to meet and appoint New CAs / Financial Consultants, DMAs, Kotak Bank Branch and source business on daily basis, he has to meet at-leats 2 New Leads every working day. Candidate should have excellent follow-up Management skills. Ensure that Customer requirements and complaints are serviced at the local level with speed and quality. Collaborate with trade finance ,CMS, operation, treasury , legal and branch banking team for seamless customer service Closely work with credit team for managing client expectation and effective risk management Candidate should be willing to run extensively for sourcing the business as the profile is 80% of Filed Job and 20% of Office job. Must have Own Vehicle with valid driving license. Job Requirements : Post Graduate Diploma / Post Graduate in Banking and Finance / And (Major / Minor) Marketing and Finance will have edge over others Strong oral and written Communication Relationship Management Skill l HDFC BBG RM of grade E2 and E3 are preferable.

Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

Candidate should be Self-motivated with High energy Level, Fast and Positive learning attitude and strong team player. Should have excellent communication skill, including Hindi and Local language along with English. Should have the good inter personal skills and polite attitude to handle customers. Should have excellent people Management skills so that he can coordinate between different department / Branches / customers well. Must be Techno Savvy and should be well versed with latest computer skills. Should work with Mantra of Speed, Scale and Skill. Able to source W orking capital Loan and Term Loan facilities to Agri Related Industries and Food Processing and Agro Processing Industries , Agri Ware House Finance , Cold Storage Finance , Agri Infra Project finance and responsible for overall Quality Business along with size of business. Must have basic knowledge of working capital finance along with understanding of reading balance sheet and P & L. Candidate also having good knowledge about properties / legal will have edge over others since it is a Mortgage Business and loans are secured by properties. Candidate with Knowledge of local area, strong networking and negotiation skill will have edge over others. Sourcing of New Customers and ensure month on month disbursement having ticket size from Rs. 2 crore to Rs. 40 crore. Each RM is expected to do minimum 2 New Cases per month. Also he is expected to maintain and renew limits of Existing portfolio. He is expected to meet and appoint New CAs / Financial Consultants, DMAs, Kotak Bank Branch and source business on daily basis. Candidate should have excellent follow-up Management skills. Ensure that Customer requirements and complaints are serviced at the local level with speed and quality. Collaborate with trade finance ,CMS, operation, treasury , legal and branch banking team for seamless customer service Closely work with credit team for managing client expectation and effective risk management Candidate should be willing to run extensively for sourcing the business as the profile is 80% of Filed Job and 20% of Office job. Must have Own Vehicle with valid driving license. Post Graduate Diploma / Post Graduate in Banking and Finance / And (Major / Minor) Marketing and Finance will have edge over others Strong oral and written Communication Relationship Management Skill

To develop the Agri business - working capital facilities to Agri related industries and Agri commodity funding Ensure SOH and fresh disbursement Month on Month. Ensure portfolio quality. Ensure minimum Post disbursement documentation for the location as per KRA. Ensure quality and primary credit of the deals. Ensure development and training of channel partners, Liability team and Direct Sales Team Ensure Fee income and minimum spread as per guidelines of KRA. Team work, motivation and support to the team. Ensure smooth and auto function at location. Ensure that Customer requirements are serviced at the local level. Ensure that customer complaints are solved within minimum time. Job Requirements: Knowledge of Working capital loans viz, CC, OD, WCDL Graduate/Post graduate preferred Excellent written and oral communication skills Knowledge of local area, strong networking and negotiation skill, Basic knowledge of finance (Understanding of audited financials) Basic Knowledge of mortgages and properties, Functional knowledge of MS-office Application: If you wish to apply for this job position, please fill your details in the Kotak Fast Track A pplication Form and mail to gaurav.yadav@kotak.com Please mention the following in the subject line as Position Name Your Name Your Current Business group

Dairy Relationship Manger The applicant would be responsible for formulating strategies to source and grow the Corporate customers / business for the bank related to Food processing/ Agri segment in designated area. The role holder will oversee acquisition of customers including product offerings, pricing, channel strategy and marketing strategy for the given business. The incumbent will work closely with the branch channel and other channels/associates in the field to acquire new business. He will be responsible for overall business management from acquisition till disbursement and then servicing the customers and deepening the relationship.

Candidate should be Self-motivated with High energy Level, Fast and Positive learning attitude and strong team player. Should have excellent communication skill, including Hindi and Local language along with English. Should have the good inter personal skills and polite attitude to handle customers. Should have excellent people Management skills so that he can coordinate between different department / Branches / customers well. Must be Techno Savvy and should be well versed with latest computer skills. Should work with Mantra of Speed, Scale and Skill. Able to source W orking capital Loan and Term Loan facilities to Agri Related Industries and Food Processing and Agro Processing Industries , Agri Ware House Finance , Cold Storage Finance , Agri Infra Project finance and responsible for overall Quality Business along with size of business. Must have basic knowledge of working capital finance along with understanding of reading balance sheet and P & L. Candidate also having good knowledge about properties / legal will have edge over others since it is a Mortgage Business and loans are secured by properties. Candidate with Knowledge of local area, strong networking and negotiation skill will have edge over others. Sourcing of New Customers and ensure month on month disbursement having ticket size from Rs. 2 crore to Rs. 40 crore. Each RM is expected to do minimum 2 New Cases per month. Also he is expected to maintain and renew limits of Existing portfolio. He is expected to meet and appoint New CAs / Financial Consultants, DMAs, Kotak Bank Branch and source business on daily basis. Candidate should have excellent follow-up Management skills. Ensure that Customer requirements and complaints are serviced at the local level with speed and quality. Collaborate with trade finance ,CMS, operation, treasury , legal and branch banking team for seamless customer service Closely work with credit team for managing client expectation and effective risk management Candidate should be willing to run extensively for sourcing the business as the profile is 80% of Filed Job and 20% of Office job. Must have Own Vehicle with valid driving license. Post Graduate Diploma / Post Graduate in Banking and Finance / And (Major / Minor) Marketing and Finance will have edge over others Strong oral and written Communication Relationship Management Skill

Role- Relationship Manager : Job Profile : Candidate should be Self-motivated with High energy Level, Fast and Positive learning attitude and strong team player. Should have excellent communication skill, including Hindi and Local language along with English. Should have the good inter personal skills and polite attitude to handle customers. Should have excellent people Management skills so that he can coordinate between different department / Branches / customers well. Must be Techno Savvy and should be well versed with latest computer skills. Should work with Mantra of Speed, Scale and Skill. Able to source Working capital Loan facilities to Agri Related Industries and Food Processing and Agro Processing Industries and Other Manufacturing Industry in MSME Segment and responsible for overall Quality Business along with size of business. Must have basic knowledge of working capital finance along with understanding of reading balance sheet and P & L. Candidate also having good knowledge about properties / legal will have edge over others since it is a Mortgage Business and loans are secured by properties. Candidate with Knowledge of local area, strong networking and negotiation skill will have edge over others. Sourcing of New Customers and ensure month on month disbursement having ticket size from Rs. 2 crore to Rs. 25 crore. Each RM is expected to do minimum 3 New Cases per month. He is expected to meet and appoint New CAs / Financial Consultants, DMAs, Kotak Bank Branch and source business on daily basis, he has to meet at-leats 2 New Leads every working day. Candidate should have excellent follow-up Management skills. Ensure that Customer requirements and complaints are serviced at the local level with speed and quality. Collaborate with trade finance ,CMS, operation, treasury , legal and branch banking team for seamless customer service Closely work with credit team for managing client expectation and effective risk management Candidate should be willing to run extensively for sourcing the business as the profile is 80% of Filed Job and 20% of Office job. Must have Own Vehicle with valid driving license. Job Requirements : Post Graduate Diploma / Post Graduate in Banking and Finance / And (Major / Minor) Marketing and Finance will have edge over others Strong oral and written Communication Relationship Management Skill l HDFC BBG RM of grade E2 and E3 are preferable.

Job TitleRelationship Manager LAP DesignationManager DepartmentSales Loan Against Property Reporting toArea Sales Manager Location[Specify Location] About Kotak Mahindra Prime Ltd. Kotak Mahindra Prime Ltd., a subsidiary of Kotak Mahindra Bank, is one of Indias leading non-banking financial companies (NBFCs), focused on vehicle and asset-backed financing solutions. Operating in a highly competitive NBFC ecosystem, we are committed to delivering fast, flexible, and customer-centric lending solutions. Role Objective To drive growth in the Loan Against Property (LAP) business by sourcing high-quality cases through DSA (Direct Selling Agent) channels, ensuring portfolio health, and building strong market relationships. Key Responsibilities Business Sourcing: - Acquire LAP customers through DSA channels while adhering to internal policies and external regulatory guidelines. - Identify and onboard high-potential DSAs and maintain strong working relationships. Sales & Target Achievement: - Meet or exceed assigned monthly and quarterly disbursement and fee income targets. - Monitor and drive business volumes in a competitive market, maintaining a healthy pipeline. Credit & Risk Coordination: - Liaise with credit and operations teams to ensure smooth file processing and disbursal. - Perform initial screening of customer financials and property documents before file submission. Market Intelligence & Relationship Management: - Track competitor offerings, pricing, and market dynamics. - Maintain strong relationships with DSAs, customers, and internal stakeholders. Compliance & Documentation: - Ensure thorough KYC, property valuation, and legal documentation as per company standards. - Adhere to audit requirements, regulatory norms, and internal processes. Candidate Profile Education: Graduate (minimum qualification) Experience: Minimum 3 years of relevant experience in LAP/Home Loan/SME Lending in the Banking or NBFC sector as a full-time permanent employee. Skills: - Strong relationship management and interpersonal skills - Understanding of secured lending and property-related documentation - High level of self-motivation with a go-getter attitude - Comfortable working in a high-performance, target-driven environment What We Look For A professional who is passionate about sales and willing to go above and beyond. Someone who can thrive in a fast-paced, competitive landscape with a solution-oriented mindset.

Job Role Verification of executed legal documents as per Documentation Grid released by the legal team from time to time & Sanction Letter / Term Sheet issued by the business / credit team. Updating of PSL for CCOD product basis the PSL template received from business along with TS / SL. Insurance Policy Maintenance (basis terms of Sanction) - information to centralized insurance policy maintenance desk. Preparation and releasing the Disbursement Advice to Loan Maintenance Team for disbursement of loans in LPS. Limit loading Instructions (LLI) to Treasury team for treasury products & CMS team for CMS products. Insertions (documents received post disbursement). Deferral Closures (post receipt of requisite document from Business Unit against deferral obtained). Tracking of post disbursement conditions related to Wholesale & Commercial operations in DRS as pre-approved. Handover of Files (All documents except Title Deeds) & Dockets (Title Deeds Property wise i.e. for every property mortgaged separate docket is a must) including insertions to DMT for further action & receipt of acknowledgement in ET / Register (in case of non-ET transactions, if any). Liaison with Auditors & Ensure no audit queries. MIS (Daily Reporting, Pending Status, Insertions). Qualifications Post Graduate or MBA Finance Personality Traits Ability to perform under pressure and stringent time lines. Adaptable and open to get acquainted with changing business and operational environment. Ability to build & develop the team while being part of it.

Key area of operations are managing disbursements of :-Grade M1 Personal / business loan Commercial vehicle loans Tractor finance. Commercial Vehical Loan Brief job descriptions :- Understanding on various Retail Asset Products (Consumer & Commercial PL, BL, OD, HF, LAP, CV, LCV, CE, TFE,) Preferably, experience in handling project workflows and exposure to retail assets. Good verbal and written communication skills Having 1 -2 yrs of experience in handling similar products. Should be hands on in excel operation with good typing speed. Should be able to follow banks guidelines and be open to learning new processes and system. Should be an effective team member of RA-Ops to handle loan disbursement

Kotak Mahindra Bank Verification of executed legal documents as per Documentation Grid released by the legal team from time to time & Sanction Letter / Term Sheet issued by the business / credit team. Stamp Duty as per Legal Stamp Duty Grid is adhered too. Limits & Collateral Maintenance. CERSAI Maintenance. (Charge Creation & Release) Checker for Mortgage, Hypothecation & Intangible assets - basis terms of sanctions. Updating of PSL for CCOD product basis the PSL template received from business along with TS / SL. Insurance Policy Maintenance (basis terms of Sanction) - information to centrailzed insurance policy maintenance desk. Preparation and releasing the Disbursement Advice to Loan Maintenance Team for disbursement of loans in LPS. (Wherever there is a term loan / WCDL facility at the time of limit setting), Limit loading Instructions (LLI) to Treasury team for treasury products & CMS team for CMS products. Insertions (documents received post disbursement). Deferral Closures (post receipt of requisite document from Business Unit against deferral obtained). Tracking of post disbursement conditions related to Wholesale & Commercial operations in DRS as pre-approved. Handover of Files (All documents except Title Deeds) & Dockets (Title Deeds Property wise i.e. for every property mortgaged separate docket is a must) including insertions to DMT for further action & receipt of acknowledgement in ET / Register (in case of non-ET transactions, if any). Handover of PDC / SPDCs to the Vendor on a weekly basis & receive acknowledgement. Liaison with Auditors & Ensure no audit queries. MIS (Daily Reporting, Pending Status, Insertions). Confirmation to DMT for Release of property & verification of the property documents before releasing to customer / RM / customer service. Signatories for issuance of sanction letter are in accordance to the list of signatories provided by Business & Credit Qualification Graduate / Post-Graduate Detail oriented and ability to multi-task Good Interpersonal skills and ability to work in teams Excellent Communication Skills Proficiency in MS-Office Diploma or Graduate in electrical engineering with minimum 3 years of work experience in Data center management/ operations

Job TitleRelationship Manager LAP DesignationManager DepartmentSales Loan Against Property Reporting toArea Sales Manager Location[Specify Location] About Kotak Mahindra Prime Ltd. Kotak Mahindra Prime Ltd., a subsidiary of Kotak Mahindra Bank, is one of Indias leading non-banking financial companies (NBFCs), focused on vehicle and asset-backed financing solutions. Operating in a highly competitive NBFC ecosystem, we are committed to delivering fast, flexible, and customer-centric lending solutions. Role Objective To drive growth in the Loan Against Property (LAP) business by sourcing high-quality cases through DSA (Direct Selling Agent) channels, ensuring portfolio health, and building strong market relationships. Key Responsibilities Business Sourcing: - Acquire LAP customers through DSA channels while adhering to internal policies and external regulatory guidelines. - Identify and onboard high-potential DSAs and maintain strong working relationships. Sales & Target Achievement: - Meet or exceed assigned monthly and quarterly disbursement and fee income targets. - Monitor and drive business volumes in a competitive market, maintaining a healthy pipeline. Credit & Risk Coordination: - Liaise with credit and operations teams to ensure smooth file processing and disbursal. - Perform initial screening of customer financials and property documents before file submission. Market Intelligence & Relationship Management: - Track competitor offerings, pricing, and market dynamics. - Maintain strong relationships with DSAs, customers, and internal stakeholders. Compliance & Documentation: - Ensure thorough KYC, property valuation, and legal documentation as per company standards. - Adhere to audit requirements, regulatory norms, and internal processes. Candidate Profile Education: Graduate (minimum qualification) Experience: Minimum 3 years of relevant experience in LAP/Home Loan/SME Lending in the Banking or NBFC sector as a full-time permanent employee. Skills: - Strong relationship management and interpersonal skills - Understanding of secured lending and property-related documentation - High level of self-motivation with a go-getter attitude - Comfortable working in a high-performance, target-driven environment What We Look For A professional who is passionate about sales and willing to go above and beyond. Someone who can thrive in a fast-paced, competitive landscape with a solution-oriented mindset.

Kotak Mahindra Bank Verification of executed legal documents as per Documentation Grid released by the legal team from time to time & Sanction Letter / Term Sheet issued by the business / credit team. Stamp Duty as per Legal Stamp Duty Grid is adhered too. Limits & Collateral Maintenance. CERSAI Maintenance. (Charge Creation & Release) Checker for Mortgage, Hypothecation & Intangible assets - basis terms of sanctions. Updating of PSL for CCOD product basis the PSL template received from business along with TS / SL. Insurance Policy Maintenance (basis terms of Sanction) - information to centrailzed insurance policy maintenance desk. Preparation and releasing the Disbursement Advice to Loan Maintenance Team for disbursement of loans in LPS. (Wherever there is a term loan / WCDL facility at the time of limit setting), Limit loading Instructions (LLI) to Treasury team for treasury products & CMS team for CMS products. Insertions (documents received post disbursement). Deferral Closures (post receipt of requisite document from Business Unit against deferral obtained). Tracking of post disbursement conditions related to Wholesale & Commercial operations in DRS as pre-approved. Handover of Files (All documents except Title Deeds) & Dockets (Title Deeds Property wise i.e. for every property mortgaged separate docket is a must) including insertions to DMT for further action & receipt of acknowledgement in ET / Register (in case of non-ET transactions, if any). Handover of PDC / SPDCs to the Vendor on a weekly basis & receive acknowledgement. Liaison with Auditors & Ensure no audit queries. MIS (Daily Reporting, Pending Status, Insertions). Confirmation to DMT for Release of property & verification of the property documents before releasing to customer / RM / customer service. Signatories for issuance of sanction letter are in accordance to the list of signatories provided by Business & Credit Qualification Graduate / Post-Graduate Detail oriented and ability to multi-task Good Interpersonal skills and ability to work in teams Excellent Communication Skills Proficiency in MS-Office Diploma or Graduate in electrical engineering with minimum 3 years of work experience in Data center management/ operations

JD - Location Credit Manager 1. Credit Assessment & Underwriting: Evaluate loan applications for Loan Against Property (LAP) and Affordable Housing Loans at the location level. Assess borrower profiles, financial statements, and property documents to determine Perform due diligence, including Customer meeting, tele verification check, CIBIL/credit bureau checks, banking analysis, and market references. Ensure that loan proposals align with the company's credit policy and risk appetite. 2. Loan Processing & Decision Making: Approve loan applications within the designated authority limit andrecommend higher-value proposals as required. Coordinate with legal, technical, and operations teams to ensure smooth loan processing and disbursement. Managing vault and safe keeping of property documents and Identify potential risks in loan proposals and recommend mitigation strategies. 3. Risk & Portfolio Management: Monitor the portfolio for early warning signals, delinquencies, and fraud detection. Work closely with the collections team to ensure timely follow-ups on overdue accounts. Conduct regular credit reviews and portfolio analysis to maintain a healthy loan book. 4. Compliance & Audit: Ensure adherence to internal credit policies, RBI/NHB guidelines, and regulatory requirements. Maintain proper documentation and ensure audit readiness at all times. Work with internal and external auditors to ensure smooth audit processes. 5. Stakeholder & Team Management: Provide training and guidance to sales and credit teams on loan policies and credit evaluation. Collaborate with business teams to ensure a balance between growth and risk management. Engage with legal and technical vendors for smooth processing of loan approvals. Key Skills & Competencies: Strong understanding of LAP & Affordable Housing Loans underwriting. Knowledge of legal & technical aspects related to property financing. Experience in credit risk assessment, financial analysis, and portfolio monitoring. Familiarity with CIBIL, CRIF, and other credit assessment tools. Attention to detail, decision-making ability, and problem-solving skills. Excellent communication and stakeholder management skills.

Job Role Verification of executed legal documents as per Documentation Grid released by the legal team from time to time & Sanction Letter / Term Sheet issued by the business / credit team. Updating of PSL for CCOD product basis the PSL template received from business along with TS / SL. Insurance Policy Maintenance (basis terms of Sanction) - information to centralized insurance policy maintenance desk. Preparation and releasing the Disbursement Advice to Loan Maintenance Team for disbursement of loans in LPS. Limit loading Instructions (LLI) to Treasury team for treasury products & CMS team for CMS products. Insertions (documents received post disbursement). Deferral Closures (post receipt of requisite document from Business Unit against deferral obtained). Tracking of post disbursement conditions related to Wholesale & Commercial operations in DRS as pre-approved. Handover of Files (All documents except Title Deeds) & Dockets (Title Deeds Property wise i.e. for every property mortgaged separate docket is a must) including insertions to DMT for further action & receipt of acknowledgement in ET / Register (in case of non-ET transactions, if any). Liaison with Auditors & Ensure no audit queries. MIS (Daily Reporting, Pending Status, Insertions). Qualifications Post Graduate or MBA Finance Personality Traits Ability to perform under pressure and stringent time lines. Adaptable and open to get acquainted with changing business and operational environment. Ability to build & develop the team while being part of it.

Kotak Mahindra Bank Verification of executed legal documents as per Documentation Grid released by the legal team from time to time & Sanction Letter / Term Sheet issued by the business / credit team. Stamp Duty as per Legal Stamp Duty Grid is adhered too. Limits & Collateral Maintenance. CERSAI Maintenance. (Charge Creation & Release) Checker for Mortgage, Hypothecation & Intangible assets - basis terms of sanctions. Updating of PSL for CCOD product basis the PSL template received from business along with TS / SL. Insurance Policy Maintenance (basis terms of Sanction) - information to centrailzed insurance policy maintenance desk. Preparation and releasing the Disbursement Advice to Loan Maintenance Team for disbursement of loans in LPS. (Wherever there is a term loan / WCDL facility at the time of limit setting), Limit loading Instructions (LLI) to Treasury team for treasury products & CMS team for CMS products. Insertions (documents received post disbursement). Deferral Closures (post receipt of requisite document from Business Unit against deferral obtained). Tracking of post disbursement conditions related to Wholesale & Commercial operations in DRS as pre-approved. Handover of Files (All documents except Title Deeds) & Dockets (Title Deeds Property wise i.e. for every property mortgaged separate docket is a must) including insertions to DMT for further action & receipt of acknowledgement in ET / Register (in case of non-ET transactions, if any). Handover of PDC / SPDCs to the Vendor on a weekly basis & receive acknowledgement. Liaison with Auditors & Ensure no audit queries. MIS (Daily Reporting, Pending Status, Insertions). Confirmation to DMT for Release of property & verification of the property documents before releasing to customer / RM / customer service. Signatories for issuance of sanction letter are in accordance to the list of signatories provided by Business & Credit Qualification Graduate / Post-Graduate Detail oriented and ability to multi-task Good Interpersonal skills and ability to work in teams Excellent Communication Skills Proficiency in MS-Office Diploma or Graduate in electrical engineering with minimum 3 years of work experience in Data center management/ operations