31 Secured Lending Jobs

In this role, you will have the opportunity to develop underwriting strategies for merchant lending based on existing data within the organization's ecosystem and explore alternate data sources. Your responsibilities will include: - Demonstrating functional expertise with hands-on experience in secured lending. - Assessing balance sheets and commercial underwriting. - Early assessment of segment-level loss rates and taking quick action. - Having a detailed understanding of in-house systems and being agile in changing legacy systems when necessary. - Collaborating with teams such as Data Science, Product, Business to establish and monitor underwriting strategies. - Taking portfolio actions based on offus behavior triggers from bureau or alternate data sources. - Monitoring implemented strategies to continuously assess business and risk impact. Your interaction will involve collaborating with teams such as Data Science, Product, Technology, and Business. You should have a hands-on approach to risk segmentation and proactively assess risks in the portfolio to make a positive impact. A curious mind and the ability to evaluate acquisition and portfolio level risks are essential. Some challenges and decisions you will face include constant identification of changes that need to be initiated and assessing their impact on business and risk. Qualifications and Experience: - 4+ years of Risk Analytics or Portfolio Management experience in Financial Services/Secured lending. Skills required for this role include hands-on experience in defining risk strategies, managing portfolios, building risk models and policies, as well as problem-solving and analytical thinking abilities.,

Role & responsibilities : .Manage and service existing portfolio of WC clients including renewal and enhancement of limits • Build strong and effective relationship with Promoters and build client trust and confidence • Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. • Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. • Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. • Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. • Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. • Ensure minimum delinquency and work towards exit of clients identified in EWS. • Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. • Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. • Drive cross sell products including WC limits and book penetration in allocated set of clients. • Generate leads from existing customers and on-board new customers basis existing relationship management. *Maintain CASA book and generate float income by opening all group accounts. Preferred candidate profile : Experience: 2 plus years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc Interested candidates please share resumes to soni.jaswal@kotak.com

As a Partner Success Manager, you will play a crucial role in championing partnerships within the secured lending segment. Your primary responsibilities will include onboarding and managing lending partners, as well as steering the strategic vision for mutual growth and long-term success. This role will require you to leverage technology to refine customer journeys and work closely with internal teams and partners to ensure operational excellence. To excel in this role, you should ideally possess 3-5 years of experience in partner management or strategic planning, preferably within fintech or secured lending. Demonstrated success in developing strategic plans, fostering long-term partnerships, excellent communication, and relationship-building skills are essential. Strong organizational skills, technical aptitude in API integrations, and proficiency in data analysis are also key qualifications for this position. Your key responsibilities will involve strategic partnership planning, where you will develop and align long-term mutual visions and strategic objectives with lending partners. You will also identify growth opportunities, plan strategic initiatives, and drive mutual success and value. Additionally, you will lead a seamless onboarding process for new partners, customize experiences to align with strategic goals, and ensure efficient integration with the platform. Building and maintaining strong, long-term relationships with partners, overseeing daily operations, and coordinating technology solutions will also be part of your role. Furthermore, you will facilitate seamless API integrations, collaborate with technical teams to troubleshoot issues, analyze partner performance data for strategic insights, and enhance customer experiences through strategic interventions and technology solutions. Key performance indicators for this role include successful partner onboarding, achievement of strategic partnership goals, improved customer journey scores, and enhanced partner satisfaction and feedback scores. Overall, as a Partner Success Manager, you will be instrumental in driving the success of partnerships within the secured lending segment, fostering long-term relationships, and optimizing operational efficiency through strategic planning and technology solutions.,

Role & responsibilities : .Manage and service existing portfolio of Working Capital clients including renewal and enhancement of limits • Build strong and effective relationship with Promoters and build client trust and confidence • Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. • Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. • Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. • Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. • Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. • Ensure minimum delinquency and work towards exit of clients identified in EWS. • Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. • Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. • Drive cross sell products including WC limits and book penetration in allocated set of clients. • Generate leads from existing customers and on-board new customers basis existing relationship management. *Maintain CASA book and generate float income by opening all group accounts. Preferred candidate profile : Experience: 2-6 years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like Working capital, LAP, etc Interested candidates please share resumes to kashish.tambe@kotak.com

Job Responsibility Sell Loan against Property (LAP) products for the organization. Plan & execute the LAP strategy for the month/ quarter to ensure regional goals are over achieved. Identifying potential channel partners based on agreed profiles. and ensure tie up is in accordance with the business plan & SOPs Relationship management with DSA, connectors & individual concerns where business leads can come from Control & monitor distribution network, plan sales promotion activities Handling the documentation and supporting customers with building the application files - mitigating issues Experience of 3 to 5 years in Sales. Age up to 30 yrs. Experience in selling LAP products. Branch - Mumbai ( Andheri & Thane) CTC - 5 Lpa-8 Lpa

Head of Sales NBFC Reporting to: Chief Business Officer / MD Objective: To lead the national sales strategy, drive distribution growth, and scale loan disbursements while maintaining portfolio quality. Key Responsibilities: Formulate and execute growth plans for retail and SME lending products (Home Loans, LAP, Business Loans, etc.). Lead zonal/regional sales teams and channel partner networks (DSAs, DSTs, connectors). Identify and onboard new partners including corporate DSAs and builders. Drive sales analytics, productivity KPIs, and branch-wise performance metrics. Collaborate with Credit, Product, and Collections to ensure high-quality sourcing. Implement sales governance, incentive structures, and compliance monitoring. Build strategic alliances to support new customer acquisition and expansion. Qualifications: 12+ years of sales experience in an NBFC, HFC, or bank (secured/unsecured lending). Proven track record in achieving volume and profitability targets. Strong leadership, relationship-building, and execution capabilities. MBA (Sales/Marketing/Finance) preferred.

Head of Sales NBFC Reporting to: Chief Business Officer / MD Objective: To lead the national sales strategy, drive distribution growth, and scale loan disbursements while maintaining portfolio quality. Key Responsibilities: Formulate and execute growth plans for retail and SME lending products (Home Loans, LAP, Business Loans, etc.). Lead zonal/regional sales teams and channel partner networks (DSAs, DSTs, connectors). Identify and onboard new partners including corporate DSAs and builders. Drive sales analytics, productivity KPIs, and branch-wise performance metrics. Collaborate with Credit, Product, and Collections to ensure high-quality sourcing. Implement sales governance, incentive structures, and compliance monitoring. Build strategic alliances to support new customer acquisition and expansion. Qualifications: 12+ years of sales experience in an NBFC, HFC, or bank (secured/unsecured lending). Proven track record in achieving volume and profitability targets. Strong leadership, relationship-building, and execution capabilities. MBA (Sales/Marketing/Finance) preferred.

Role & responsibilities : .Manage and service existing portfolio of Working Capital clients including renewal and enhancement of limits • Build strong and effective relationship with Promoters and build client trust and confidence • Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. • Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. • Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. • Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. • Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. • Ensure minimum delinquency and work towards exit of clients identified in EWS. • Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. • Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. • Drive cross sell products including WC limits and book penetration in allocated set of clients. • Generate leads from existing customers and on-board new customers basis existing relationship management. *Maintain CASA book and generate float income by opening all group accounts. Preferred candidate profile : Experience: 2-6 years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like Working capital, LAP, etc Interested candidates please share resumes to kashish.tambe@kotak.com

You are looking for a Credit Manager with 3 to 5 years of experience in SME Micro-LAP (Loan Against Property). In this role, you will be responsible for credit underwriting, conducting financial assessments of small businesses, and managing secured lending. Your main duties will involve evaluating loan proposals, collaborating with verification, legal, and technical teams, and ensuring compliance with internal credit policies. Key skills required for this position include expertise in SME Micro-LAP, credit underwriting, risk analysis, financial assessment, and secured lending. If you meet these qualifications and are interested in this opportunity, please send your resume to service@moneyase.in.,

In this role, you will: Participate in underwriting and loan closing of transactions Identify opportunities for process improvements within scope of responsibilities for Secured Lending Underwriting functional area Review and analyze basic business challenges within Secured Lending Underwriting functional area that require research, evaluation, and selection of alternatives Exercise independent judgement to guide medium risk deliverables Present recommendations for resolving more complex situations and exercise independent judgement while developing expertise in Secured Lending Underwriting functional area, policies, procedures, and compliance requirements Collaborate and consult with Secured Lending Underwriting colleagues, internal partners, and stakeholders, including internal and external customers The work involves performing Financial Analysis, preparing the financing memorandum, structuring & closing ABL transactions, handling a variety of complex transactions. Works independently on moderately to complex issues and projects. Responsible for analyzing complex companies and industries, conducting credit analysis such as assigning credit rating for portfolios. Required Qualifications: 4+ years of secured lending underwriting experience R-423626Senior Secured Lending Underwriter In this role, you will: Participate in underwriting and loan closing of transactions Identify opportunities for process improvements within scope of responsibilities for Secured Lending Underwriting functional area Review and analyze basic business challenges within Secured Lending Underwriting functional area that require research, evaluation, and selection of alternatives Exercise independent judgement to guide medium risk deliverables Present recommendations for resolving more complex situations and exercise independent judgement while developing expertise in Secured Lending Underwriting functional area, policies, procedures, and compliance requirements Collaborate and consult with Secured Lending Underwriting colleagues, internal partners, and stakeholders, including internal and external customers The work involves performing Financial Analysis, preparing the financing memorandum, structuring & closing ABL transactions, handling a variety of complex transactions. Works independently on moderately to complex issues and projects. Responsible for analyzing complex companies and industries, conducting credit analysis such as assigning credit rating for portfolios. Required Qualifications: 4+ years of secured lending underwriting experience

Job description In this role, you will: Participate in underwriting and loan closing of transactions Identify opportunities for process improvements within scope of responsibilities for Secured Lending Underwriting functional area Review and analyze basic business challenges within Secured Lending Underwriting functional area that require research, evaluation, and selection of alternatives Exercise independent judgement to guide medium risk deliverables Present recommendations for resolving more complex situations and exercise independent judgement while developing expertise in Secured Lending Underwriting functional area, policies, procedures, and compliance requirements Required Qualifications: 4+ years of secured lending underwriting experience MBA (Finance), CFA or Chartered Accountant Strong verbal and written Communication skills Desired Qualifications: Intermediate to advance knowledge of excel, power point and Power BI or similar reporting tools. Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment. Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important

Role & responsibilities : .Manage and service existing portfolio of WC clients including renewal and enhancement of limits • Build strong and effective relationship with Promoters and build client trust and confidence • Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. • Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. • Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. • Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. • Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. • Ensure minimum delinquency and work towards exit of clients identified in EWS. • Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. • Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. • Drive cross sell products including WC limits and book penetration in allocated set of clients. • Generate leads from existing customers and on-board new customers basis existing relationship management. *Maintain CASA book and generate float income by opening all group accounts. Preferred candidate profile : Experience: 2 plus years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc Interested candidates please share resumes to soni.jaswal@kotak.com

Role & responsibilities - Product - Secured Lap Position- SME/SEG - DSA Job Title - Relationship Manager CTC 5.5 Lpa - 9.5 Lpa Age 32 years Location -Chandigarh & Dehradun, Panipat, Sonipat,Bhatinda, Haridwar Education - Min. Graduate Requirement * Achieving sales targets for SME-Lap product via DSAs and Business Relationship. * Target new client acquisition through sourcing of leads and Business conversation in conjunction with channel partners * Follow the standardized process and documentation norms for quick and complaint closure of client request. Loan ticket size: Max10 CR upto

Role & responsibilities : .Manage and service existing portfolio of WC clients including renewal and enhancement of limits • Build strong and effective relationship with Promoters and build client trust and confidence • Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. • Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. • Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. • Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. • Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. • Ensure minimum delinquency and work towards exit of clients identified in EWS. • Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. • Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. • Drive cross sell products including WC limits and book penetration in allocated set of clients. • Generate leads from existing customers and on-board new customers basis existing relationship management. *Maintain CASA book and generate float income by opening all group accounts. Preferred candidate profile : Experience: 2 plus years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc Interested candidates please share resumes to kashish.tambe@kotak.com

Dear Candidate Excellent openings Role: Area Sales Manager (DSA channel) (Multiple openings)- Job Location : Hyderabad Experience: 7-12 years with atleast 4-5 years in small Ticket Secured lending with NBFC/ Banks in customer sourcing via DSA Age Criteria: 34 years max age Function: Sales SLS- -Retail Lending – STSL Reports to: Zonal Sales Manager It is a Team handling role Job Purpose: To deliver on area/ local strategy for the Small Ticket secured Business segment in terms of target segments, strengthening existing relationships and setting up new channels for market penetration, and work towards achievement of sales targets and operational plans. To proactively address customer/ DSA issues and escalate cases (e.g. fraud alerts, customer complaints or exception handling) as required for smooth operations; work on removal of bottlenecks for the achievement of targets for Small Ticket Secured Business segment at the area/ local level To grow the penetration of the business by actively partnering, negotiating and building relationships with the DSA network, and directing and building the capability of SMs (if any assigned) To take ownership for end to end Small Ticket Secured business transactions in assigned area of coverage, with efficient internal operations for superior product delivery and credit quality of new acquisitions with compliant sales operations & coordination with Risk team Key Result Areas Sales Growth & Client Acquisition Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes o Augment the sales volumes of Small Ticket Secured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base o Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture o Actively participate in initiatives and contests driven by Business Development teams. Operational Effectiveness Work with dual focus on sales volume and value (IRR) through the team o Track & ensure SLA adherence, sales efficiencies and RoI Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well o Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM as well as down the line. Sales Growth & Client Acquisition Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes Augment the sales volumes of Small Ticket Secured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture o Actively participate in initiatives and contests driven by Business Development teams Operational Effectiveness Work with dual focus on sales volume and value (IRR) through the team Track & ensure SLA adherence, sales efficiencies and RoI o Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM as well as down the line Please share updated CV at my email ID : geetika.gupta@forward.net.in along with Current CTC Expected CTC Notice period Regards Geetika Gupta FORWARD geetika.gupta@forward.net.in

The Business State Head will be responsible for leading and scaling the Secured Lending business across multiple regions, primarily focusing on branch-based operations. This senior position entails driving growth strategies, managing risk, and ensuring operational excellence in both secured and unsecured portfolios. The ideal candidate should possess a profound understanding of the NBFC sector, particularly in secured lending products. In terms of Business Strategy & Growth, the role involves developing and executing the operational plan and growth strategy for LAP business in the designated states. This includes strategizing volume scale-up with a profitability focus, expanding business into tier 2 and tier 3 cities, and identifying strategic alliances and partnerships to broaden business reach. Operational Excellence is a key aspect of the position, requiring the establishment and optimization of digital channels for customer acquisition and the development of an end-to-end digital fulfillment model. The Business State Head will also be responsible for managing and optimizing risk buckets in secured and unsecured portfolios, ensuring compliance with regulatory and internal policies, and overseeing the development of a comprehensive collections framework. Team Management & Development is crucial, where the candidate will establish performance metrics, review team performance regularly, manage outsourced staff and agencies, and ensure alignment with business goals. Financial & Risk Management responsibilities include preparing detailed inputs for P&L, budgets, and profitability analysis, conducting trend analysis, and ensuring effective customer lifecycle management and risk mitigation. Client & Stakeholder Management is another significant aspect of the role, involving the management of key accounts and critical clients to maintain high levels of customer satisfaction. The Business State Head will collaborate closely with support groups such as operations, finance, and compliance to streamline business processes and participate in recruitment processes to identify suitable talent for various roles within the business. Key Skills and Qualifications required for this role include over 12 years of experience in branch-based NBFCs with a focus on secured lending, a proven track record in scaling up secured lending business, strong leadership and team-building skills, excellent communication and negotiation abilities, deep understanding of NBFC systems and financial modeling, ability to drive transformational changes, and a customer service-oriented attitude with a strategic mindset.,

As part of this role, you will be responsible for making and receiving calls to and from international clients or team members. Your duties will include discussing project updates, addressing concerns, and providing necessary information as required. It will be essential for you to document call details accurately and note down any follow-up actions that need to be taken. You will also be expected to update and maintain records and documentation with a high level of attention to detail, ensuring that all information is accurate and up-to-date. The company you will be working for, PLS, has offices in Manchester, Liverpool, and Central London. With approximately 200 employees, PLS is one of the leading conveyancing firms in the country in terms of volume, with a significant focus on new build homes. The company boasts expertise in various types of conveyancing, including the first homes scheme, shared ownership, and re-mortgage services. Moreover, PLS has a dedicated secured lending team that handles both commercial and residential property transactions, including development finance and Islamic finance.,

Role & responsibilities - Product - Secured Lap Position- SME/SEG - DSA Job Title - Relationship Manager CTC 8 - 9 Lpa Age 32 years Location -Chandigarh & Dehradun Education - Min. Graduate Requirement * Achieving sales targets for SME-Lap product via DSAs and Business Relationship. * Target new client acquisition through sourcing of leads and Business conversation in conjunction with channel partners * Follow the standardized process and documentation norms for quick and complaint closure of client request. Loan ticket size: Max10 CR upto

Role & responsibilities : To understand clients business & provide appropriate working capital solutions across Fund/ non Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG etc. Work closely with Branch Banking teams for new customer addition. To penetrate client with various products like Current Account/Term Deposits/Transaction Banking/Trade Finance for the primary Relationship & Group companies. Manage and service existing portfolio of WC clients including renewal and enhancement of limits Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence. Focus to continually increase the Book size and profitability of the assigned portfolio. To understand client business models, trade related activities, cash flows etc. and identify opportunities and grow client relationships. To be alert on competitive elements in the target segments (viz. other banks etc.) & Augment the presence and penetration of the Kotak brand in the target market Maintain high caliber client service. Improve efficiency by monitoring & overseeing continuous improvement of processes Constantly have a rapport with the operating units to customize and develop solution Preferred candidate profile : Experience: 2+ years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like BL,WC, OD,CC etc. Interested candidates please share resumes to kashish.tambe@kotak.com

Role & responsibilities : .Manage and service existing portfolio of WC clients including renewal and enhancement of limits • Build strong and effective relationship with Promoters and build client trust and confidence • Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. • Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. • Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. • Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. • Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. • Ensure minimum delinquency and work towards exit of clients identified in EWS. • Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. • Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. • Drive cross sell products including WC limits and book penetration in allocated set of clients. • Generate leads from existing customers and on-board new customers basis existing relationship management. *Maintain CASA book and generate float income by opening all group accounts. Preferred candidate profile : Experience: 2-3 years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc Interested candidates please share resumes to kashish.tambe@kotak.com

Circle Business Head Job Profile Department: Sales- Secured Loans Role: This is a high-impact leadership role for an entrepreneurial business leader to drive profitable growth across Indias emerging markets. The Circle Business Head will be responsible for building, scaling, and leading a high-performing branch network (25+ branches) within a defined circle/state. With a sharp focus on customer centricity, operational excellence, and regulatory compliance, this role is central to expanding our reach in non-metro cities and economic hubs. Responsibilities: 1. Business Growth & P&L Ownership Own and exceed the circles AOP, P&L, ROA, and ROE targets Drive rapid and sustainable growth across secured lending products Maximize revenue through cross-sell, renewals, top-ups, and balance transfers Use competitive intelligence and local market insights to shape business strategy 2. Distribution & Network Expansion Scale a robust network of 25+ full-service branches in the assigned region Identify branch locations, manage lease closures, and oversee setup Drive direct sourcing via customer events, exhibitions, loan melas, MSME conclaves, roadshows, and local merchant connects 3. Team Leadership & Capability Building Lead a span of 4 to 6 Regional Business Heads, 25+ Branch Heads, and 75 100 FTEs Recruit, coach, and build a high-performance leadership pipeline across roles Foster a culture of ownership, agility, compliance, and customer-first execution 4. Risk, Compliance & Operational Excellence Ensure regulatory adherence, internal audit readiness, and governance excellence Oversee cost control, TATs, sourcing quality, recoveries, and risk containment Ensure compliance with municipal laws, property regulations, collateral management, litigation, and repossession protocols 5. Market Intelligence & Strategic Partnerships Build strong networks with local bodies, legal institutions, and fraud prevention agencies Leverage local intelligence to identify new business triggers and mitigate risks Stay ahead of trends in industries, customer behaviours, and competitor movements Job Profile Circle Business Head Qualification & Experience: 1. Educational Background Chartered Accountant or Masters in Business Management Preferably from Tier 1 or Tier 2 institutions 2. Experience & Functional Expertise 14-18 years of progressive leadership experience in banks or NBFCs Proven P&L ownership and multi-location team leadership experience Deep expertise in secured lending products: LAP, Home Loans, Secured Business Loans, Working Capital Finance Strong track record in both sales and collections within MSME, B2B, and B2C segments KeySkills&Competencies: 1. Market & Domain Knowledge Strong understanding of regional markets, customer segments, and business ecosystems Familiarity with compliance, audit, risk frameworks, and regulatory landscape Ability to engage with local bodies, legal entities, fraud control, and governance infrastructure 2. Attributes Demonstrated success in building large-scale distribution networks in emerging markets Experience in hiring, developing, and managing high performing, geographically spread teams Entrepreneurial mindset with a hands-on approach to problem-solving and execution 3. Personal Attributes & Mobility High integrity, result orientation, and strong business acumen Excellent communication and relationship-building skills Willingness to travel extensively across the assigned circle

Key Responsibilities: Own full P&L and deliver financial targets (AOP, ROA, ROE) Scale secured lending (LAP, home loans, business loans, working capital) Expand physical distribution through branch setup and regional events Lead a large team of Regional Business Heads and Branch Heads Ensure risk management, compliance, and governance Build strategic partnerships and use market intelligence to drive growth Ideal Candidate Profile: CA or MBA from a Tier 1/Tier 2 institution 14-18 years in banking/NBFCs with secured lending experience Proven track record in P&L ownership, sales, and collections Strong understanding of LAP, Home Loans and Working Capital. Demonstrated leadership in building and managing large, distributed teams Entrepreneurial, hands-on, and willing to travel extensively

Roles and Responsibilities Manage a team of sales professionals to achieve business targets through effective lead generation, customer acquisition, and relationship management. Develop and implement strategies to increase market share in the assigned region (Punjab & Haryana). Ensure timely disbursement of funds to borrowers while maintaining high levels of customer satisfaction. Monitor portfolio performance regularly to identify areas for improvement. Identify new business opportunities by networking with potential customers, building relationships, and negotiating deals.

Role & responsibilities The Head Risk Policy will be responsible for development and implementation of optimum risk framework, policies and processes in Retail Lending (Secured & Unsecured Loans). The role is a that of a key member of management and responsible for evaluating and recommending the degree of acceptable risk and reward levels for the products and to set policies, processes, underwriting, portfolio management criteria and methods including the use of statistical models and techniques where appropriate. The role is also responsible for analyzing financial results from the products in particular relating to the major items of risk and reward (revenue, collections, provisions and write offs) and reports on the effectiveness of all major programs for changes where required. KPI's : To develop and implement risk management framework To develop, implement various policies and processes to ensure optimum risk management within the organizations risk appetite framework and compliance to regulatory guidelines To drive development, acquisition and implementation of systems that improve, enhance and monitor new lending applications Audits and Monitoring Support the audit teams and monitor and implement their observations To develop portfolio monitoring for effective risk monitoring To ensure effective early warning signals to management and develop risk recovery policies for defaulted loans Team Development Preferred candidate profile Preferably Post Graduate with 15+ years experience in Head Risk Policy for Retail Lending Segment (Secured & Unsecured Loans).

Role & responsibilities : To understand clients business & provide appropriate working capital solutions across Fund/ non Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG etc. Work closely with Branch Banking teams for new customer addition. To penetrate client with various products like Current Account/Term Deposits/Transaction Banking/Trade Finance for the primary Relationship & Group companies. Manage and service existing portfolio of WC clients including renewal and enhancement of limits Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence. Focus to continually increase the Book size and profitability of the assigned portfolio. To understand client business models, trade related activities, cash flows etc. and identify opportunities and grow client relationships. To be alert on competitive elements in the target segments (viz. other banks etc.) & Augment the presence and penetration of the Kotak brand in the target market Maintain high caliber client service. Improve efficiency by monitoring & overseeing continuous improvement of processes Constantly have a rapport with the operating units to customize and develop solution Preferred candidate profile : Experience: 2+ years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like BL,WC, OD,CC etc. Interested candidates please share resumes to kashish.tambe@kotak.com