Assistant Manager / Deputy Manager / Manager for Personal Loans

Company Description Kotak Mahindra Group, established in 1985, is one of India's leading financial services conglomerates and the first non-banking finance company in India to obtain a banking license, becoming Kotak Mahindra Bank Limited in 2003. The Group has a strong financial foundation, offering a wide range of services including commercial banking, stock broking, mutual funds, life insurance, and investment banking. It serves both individual and corporate customers through an extensive branch and franchise network across India. Kotak Mahindra also has an international presence with offices in major global financial centers, providing employees exposure to a dynamic and growth-oriented environment.

Role Description This is a full-time, on-site role based in Hyderabad for Assistant Manager / Deputy Manager / Manager – Personal Loans. The role involves managing end-to-end personal loan operations, including lead follow-up, customer profiling, eligibility assessment, and documentation coordination. The professional will work closely with branch teams and channel partners to drive acquisition, ensure compliance with internal policies and regulatory guidelines, and maintain high levels of service quality. Responsibilities include monitoring portfolio performance, reducing delinquency risk, preparing regular reports, and supporting process improvements to enhance efficiency. The role also requires proactive communication with customers, timely resolution of queries, and contribution to achievement of personal loan business targets.

Qualifications

• Candidates should possess strong sales and business development skills, including lead management, relationship building, and target achievement in retail lending or personal loans.
• Candidates should possess credit assessment and risk management skills, such as analyzing customer profiles, evaluating documentation, and ensuring adherence to credit policies.
• Candidates should possess operational and process management skills, including workflow coordination, documentation verification, and compliance with regulatory and internal standards.
• Candidates should possess customer service and communication skills, including clear verbal and written communication, negotiation, and the ability to handle customer queries professionally.
• Candidates should possess basic analytical and MS Office skills to prepare reports, track performance metrics, and support data-driven decision-making.
• A bachelor's degree in finance, commerce, business, or a related field is preferred; prior experience in banking or NBFC personal loan operations will be an advantage.
• Ability to work on-site in Hyderabad, collaborate with cross-functional teams, and adapt to a fast-paced, target-driven environment.