Job Description

Job Category: KMBLDegree Level: Bachelor's Degree: Position: Manager / Sr. Manager - Risk - Commercial BankLocation: GoregaonDepartment: Credit Risk - [Construction Equipment / Microfinance / Tractor]Reports To: AVP / VP - RiskRole ObjectiveTo strengthen the credit risk function for CE / MFI / Tractor portfolios by driving policy, process, automation, portfolio monitoring, and early risk identification, in line with digital risk management frameworks and governance standards.Key Responsibilities

• Monitor early delinquency, bounce movement, and flow rates (30+ to 90+, 90+ to NPA) to identify stress pockets.
• Prepare and track GCL budgets, support stress-testing and scenario-based risk assessments.
• Draft and maintain credit risk policies and process documents, ensuring governance and audit readiness.
• Identify automation opportunities in risk policy and push for integration via BRE / LOS / STP frameworks.
• Design and implement RBA (Risk-Based Approval) and STP scorecard-based underwriting models.
• Perform case-wise analysis of high-ticket delinquents, NPAs, and non-starters with recovery recommendations.
• Prepare NPA notes, RCA (Root Cause Analysis), and track implementation of preventive actions.
• Automate portfolio monitoring using Python, Excel macros, or BI tools.
• Coordinate RCSAs and internal process audits within the risk function.
• Interact with business, collections, product, and legal teams to ensure cross-functional alignment.
• Conduct training and orientation sessions on new risk policies and process changes.

• 3-7 years of experience in at least 3 of the following: credit underwriting, risk policy, product/process implementation, audit, digitization, or automation (preferably with 2-3 years in automation).
• Hands-on experience in risk policy/process writing and process control.
• Strong understanding of banking systems, BRE engines, and LOS platforms.
• Ability to identify gaps, eliminate redundant flows, and drive process automation across credit lifecycle.
• Previous exposure to lending (retail or MSME) side of banking or NBFCs preferred.
• Sharp analytical mindset with eye for detail; capable of identifying digitization opportunities.
• High proficiency in MS Excel; working knowledge of Python / SQL / BI tools is an added advantage.
• Effective communication and stakeholder management; able to handle conflicting views and drive consensus.
• Good written English for documentation, policy writing, and presentations.
• IT background or exposure to risk-tech integration is an added advantage.

Kotak Mahindra Bank