Jobs at Kotak Mahindra Bank

Assesses applicant creditworthiness using financial statements, credit reports, ratios, cash flows, and collateral values. Conducts loan risk assessments, sets credit limits and terms, monitors early-stage delinquencies, and ensures regulatory compliance. Builds relationships with clients and cross-functional teams, handles high-volume casework, supports policy implementation, and mentors CPAs while monitoring productivity and output quality.

Assesses applicant creditworthiness, evaluates loan risk using financial statements, ratios, cash flows, and collateral, and establishes credit limits and terms. Monitors early-stage delinquencies, ensures regulatory and policy compliance, manages high-volume underwriting cases, supports clients and cross-functional teams, and mentors CPAs while monitoring productivity and output quality.

Manages auto-loan sales through car dealers, direct sales agents, and sales teams. Responsibilities include channel partner empanelment, team recruitment and training, sales performance management, promotional activities, quality sourcing, business approvals, competitor monitoring, customer relationship development, and resolving product-related queries.

Acquire and manage high-value business banking customers, especially Current Account clients. Build family banking relationships, cross-sell insurance and investment products, promote CMS, POS, and Beat services, and meet branch-level sales objectives. Coordinate with credit, legal, operations, and product teams to ensure smooth onboarding and servicing while maintaining long-term customer relationships.

Acquires retail loan customers through direct sourcing, referrals, cold calling, DSAs, and channel partners. Generates leads, manages partner relationships, ensures accurate documentation and KYC compliance, coordinates loan processing with internal teams, tracks application progress, meets sales targets, and resolves customer queries.

Manages a portfolio of light commercial vehicle loans, including new and used vehicle financing. Oversees the complete loan process, follows up with EMI and overdue customers for collections, develops new markets, gathers market intelligence, generates sales, and maintains relationships with dealers and existing clients.

Manage branch acquisition and sales performance, grow deposits, sell investment and insurance products, generate fee income, oversee administration and regulatory compliance, and lead branch productivity, morale, profitability, and P&L. Coordinate with product management, marketing, and internal teams to improve customer service, develop products, and execute sales initiatives.

Manage commercial vehicle customer relationships, handle account opening, DMAT services, grievances, and other service requests. Sell banking and investment products through cross-selling, referrals, and customer education while meeting sales targets. Support HNI relationship managers, acquire new customers, improve customer value, and maintain low attrition through high-quality service.

Manage branch acquisition and sales performance by growing deposits, selling non-deposit, mutual fund, and insurance products, increasing fee income, and achieving branch profitability. Oversee branch administration, regulatory compliance, customer service standards, team productivity, morale, and P&L. Coordinate with product management, marketing, and other business units on product development, service improvements, and sales initiatives.

Manage branch acquisition and sales performance by growing deposits, selling non-deposit, mutual fund, and insurance products, increasing fee income, ensuring regulatory compliance, and overseeing administration, team productivity, morale, customer service, break-even performance, and P&L. Coordinate with product management, marketing, and other business units on product development and sales initiatives.

Entry-level credit analyst role involving credit appraisal preparation, risk assessment discussions, customer information gathering, account monitoring, monthly portfolio reporting, compliance escalation, unit inspections, and risk-related issue resolution. The role includes formal credit analysis training, senior analyst shadowing, and potential rotations into broader credit and relationship management positions.

Manage used and new car loan business by developing dealer, broker, DSA, and direct channels. Drive business growth, profitability, portfolio health, and IRR while onboarding partners and allocating leads across sales teams. Maintain dealer relationships, assess customer funding decisions, monitor nonstarters and pending documentation, and identify new business opportunities. Provide team leadership, training, and guidance on products and policies.

Manage collections and asset recovery for retail loan portfolios. Responsibilities include monitoring collection efficiency, resolving delinquent accounts, coordinating repossessions and asset sales, working with agencies and field teams, conducting necessary field visits, training collections staff, and coordinating legal actions while ensuring compliance with bank policies and regulations.

Acquires and manages high-value business banking customers, grows deposits, drives cross-sell and fee income, and delivers strong customer service. Ensures branch regulatory compliance, oversees administration, manages team productivity and morale, owns branch profitability and P&L performance, and collaborates with product and marketing teams on new offerings and sales initiatives.

Acquire and manage high-net-worth Priority Banking customers, generate leads, deepen relationships, cross-sell banking products, and deliver excellent customer service. The role includes executing sales initiatives, educating clients, coordinating with product managers and group companies, maintaining relationship records, resolving queries, and ensuring compliance with bank policies.

Performs commercial banking operations including legal-document verification, stamp-duty compliance, collateral and limit maintenance, CERSAI charge management, insurance coordination, disbursement support, post-disbursement tracking, file handovers, audit-query resolution, and MIS reporting. Coordinates with business units, treasury, CMS, loan maintenance, vendors, auditors, and other internal teams to ensure accurate records, timely documentation closure, and compliance with sanction terms and regulatory requirements.

Lead credit underwriting for working capital finance, including fund- and non-fund-based products. Manage credit professionals, evaluate and structure customer proposals, assess home loans and loans against property, monitor portfolio quality, and make timely credit decisions. Conduct customer visits, review financial and property-related information, coordinate with cross-functional teams, implement credit policies, train team members, and mentor CPAs.

Acquire and manage high-net-worth customers for retail loans and banking services. Grow CASA accounts, cross-sell insurance and mutual funds, nurture client relationships, coordinate with internal teams and channel partners, ensure KYC compliance and documentation, and provide end-to-end customer support to generate revenue and new business.

Acquires and manages high-value business banking customers, grows deposits, drives cross-selling and fee income, and ensures strong customer service and regulatory compliance. Oversees branch administration, team productivity and morale, profitability, break-even and P&L performance. Partners with product, marketing and other departments on product development, service improvements and sales initiatives.

Manage and grow the Commercial Vehicle business by handling customer service requests, opening accounts, resolving grievances, and supporting DMAT services. Sell banking and investment products through cross-selling and referrals, achieve sales targets, provide tailored financial solutions, support HNI relationship managers, and maintain customer satisfaction and retention.