Kotak Mahindra Bank Credit Manager Jobs 2026 | CA Freshers | Coimbatore | ₹10–12 LPA

Kotak Mahindra Bank is hiring a Credit Manager for its Coimbatore location. This full-time, permanent opportunity is suitable for CA freshers or MBA Finance professionals with relevant experience, who want to build a strong career in credit appraisal, underwriting, and Agri SME lending within a leading private sector bank.

Quick Job Overview

Eligibility Criteria

Role Overview – Credit Manager (Kotak Mahindra Bank)

As a Credit Manager, you will be responsible for providing independent credit assessment and underwriting support for Agri SME enterprises. The role involves end-to-end credit appraisal, proposal presentation, portfolio monitoring, and risk management, ensuring high-quality lending decisions aligned with bank policies.

This role offers exposure to working capital finance, project loans, commodity finance, and customer-facing credit evaluation.

Key Responsibilities

• Provide independent credit advice on Agri SME credit proposals
• Handle working capital (fund & non-fund based), project loans, and commodity finance
• Perform detailed credit appraisal & financial analysis (liquidity, solvency, repayment capacity)
• Prepare appraisal notes and conduct credit checks
• Present proposals to sanctioning forums and resolve approval queries
• Conduct customer meetings and site visits (factory / office / residence)
• Monitor and manage local credit portfolio and associated risks
• Ensure timely renewal and enhancement of accounts
• Align credit decisions with business goals while adhering to policies

Skills & Competencies

Core Credit & Finance Skills

• Credit Appraisal & Underwriting
• Working Capital Assessment
• Financial Statement Analysis
• Risk Evaluation & Portfolio Monitoring

Professional Skills

• Strong analytical and problem-solving ability
• Excellent written and verbal communication
• Stakeholder interaction and presentation skills
• Independent decision-making with policy adherence

Why Join Kotak Mahindra Bank?

Kotak Mahindra Bank provides finance professionals with exposure to structured credit processes, diversified loan portfolios, and strong governance standards. Employees benefit from competitive compensation, professional growth, and long-term career stability in one of India’s most trusted banking institutions.

Frequently Asked Questions (FAQs)

1. Can CA freshers apply for this Credit Manager role?
Yes. CA freshers are eligible for this role.

2. Can MBA Finance candidates apply?
Yes. MBA Finance candidates with up to 3 years of experience can apply.

3. What is the salary range?
The offered salary is ₹10–12 LPA.

4. What type of loans will I handle?
You will work on Agri SME loans, working capital finance, commodity finance, and project loans.

5. Is this a permanent role?
Yes. This is a full-time, permanent position.

6. Where is the job located?
The role is based in Coimbatore, Tamil Nadu.

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