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Kotak Mahindra Bank
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Regional Sales Professional

Regional Sales Professional

Kotak Mahindra Bank

4 - 10 years

6 - 12 Lacs

mumbai

Posted:1 day ago| Platform:

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Skills Required

digital marketing event management media relations project management stakeholder management communication management marketing communication corporate communication public relations scope management communication skills brand management

Work Mode

Work from Office

Job Type

Full Time

Job Description

Credit Policy & Frameworks:
Develop and regularly update credit risk policies, product programs, and underwriting guidelines for various customer segments (retail, SME, corporate, etc.). Define risk acceptance criteria based on internal data and market intelligence. Collaborate with business, operations, legal, and compliance teams to implement and operationalize credit policies. Risk Assessment & Monitoring: Analyze credit risk across new and existing products and segments. Establish early warning signals (EWS) and monitoring frameworks to track portfolio health. Design scorecards, segmentations, and risk models in collaboration with analytics and data science teams. Portfolio Management: Track key credit metrics such as delinquency, NPAs, write-offs, LGDs, and PDs. Recommend changes in credit strategies or policy thresholds based on portfolio trends. Benchmark internal performance with industry standards. Regulatory & Compliance: Ensure policies align with regulatory guidelines (RBI, Basel norms, etc.). Prepare risk-related reports and documentation for audits and regulatory reviews. Stakeholder Management: Work closely with credit, collections, risk analytics, legal, and technology teams. This is an Internal document. Provide training and guidance on credit policies to credit and sales teams.

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Kotak Mahindra Bank

Banking

Mumbai Maharashtra

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Regional Sales Professional