Kotak
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We are seeking a skilled and experienced professional to lead and manage credit operations for Crop-Agri-Fin-Dealer Funding. The Location Credit Manager will play a crucial role in driving the department’s success by implementing robust credit policies, managing risk, and ensuring compliance with regulatory standards. This role requires strong leadership, analytical, and decision-making skills to navigate the complex landscape of credit management.
- Bachelor’s degree in Finance, Business Administration, or a related field, with a preference for a Master’s degree in Finance or a relevant specialization.
- Minimum 8-10 years of experience in credit management, with a strong background in Agri-Fin-Dealer Funding or a similar industry.
- Proven track record of successful credit management, including risk assessment, portfolio management, and credit policy implementation.
- Excellent analytical and decision-making skills, with the ability to interpret financial data and make sound lending decisions.
- Strong leadership and management skills, with the ability to lead and motivate a team of credit professionals.
- Proficiency in using credit analysis tools and software, as well as MS Office applications.
- Excellent communication and interpersonal skills, with the ability to build and maintain relationships.
- Ability to work independently, manage multiple priorities, and meet tight deadlines.
- Strong problem-solving skills and a proactive approach to identifying and resolving credit-related issues.
- Willingness to stay updated on industry trends and regulatory changes, and a commitment to continuous professional development.
- Oversee and manage the credit operations for Crop-Agri-Fin-Dealer Funding, ensuring efficient and effective processes.
- Implement and maintain robust credit policies and procedures to mitigate risks and ensure compliance.
- Analyze and assess credit applications, financial statements, and other relevant data to make informed lending decisions.
- Monitor and manage credit risk exposure, identify potential issues, and implement strategies to mitigate risks.
- Build and maintain strong relationships with key stakeholders, including internal teams, clients, and external partners.
- Collaborate with the Agri-Fin-Dealer Funding team to develop and execute credit strategies aligned with business goals.
- Stay updated on industry trends, regulatory changes, and best practices in credit management.
- Provide guidance and support to the credit team, ensuring their professional development and performance.
- Prepare and present regular reports on credit performance, risk management, and other relevant metrics to senior management.
- Ensure compliance with all applicable laws, regulations, and internal policies related to credit operations.
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