CA Job Opportunities at Kotak – Credit Manager (Housing Finance)

Kotak, one of India’s leading financial institutions, has invited applications for the post of Credit Manager – Housing Finance (Credit). This opportunity is ideal for Chartered Accountants (CAs) who have experience in underwriting, credit assessment, and working capital finance.

This role offers a chance to work with a reputed organization in Mumbai, Maharashtra, where the selected candidate will play a crucial part in managing credit processes, assessing loan proposals, and maintaining portfolio quality.

Key Qualifications and Skills

• Qualification: Chartered Accountant (CA) with relevant underwriting experience.
• Experience: 2–4 years of experience in working capital products.
• Core Skills:
  • Strong technical underwriting knowledge.
  • Analytical and decision-making skills.
  • Ability to handle time-bound tasks efficiently.
  • Effective team collaboration and leadership qualities.
  • Keen interest in learning and adapting to market trends.

Job Role & Responsibilities

As part of Kotak’s Credit Team for Working Capital Finance, the Credit Manager will handle critical responsibilities, including:

1. Underwriting and Credit Proposals:
   • Assess and underwrite cases related to Working Capital Finance (both fund-based and non-fund-based).
   • Prepare and review credit proposals, ensuring they meet required quality standards.
2. Business Growth & Team Management:
   • Manage and guide a team of credit managers to meet branch business targets.
   • Conduct training sessions to improve the quality and efficiency of the credit process.
3. Client Interaction & Deal Structuring:
   • Visit customers for personal discussions.
   • Assist in structuring deals that align with client requirements and company policies.
4. Portfolio Quality Management:
   • Monitor reports and keep track of portfolio performance.
   • Take corrective measures to ensure portfolio quality is maintained.
5. Loan Evaluation:
   • Evaluate proposals for Home Loans and Loan Against Property.
   • Possess a solid understanding of property-related aspects such as legal title verification and market valuation.
6. Cross-Department Coordination:
   • Work closely with sales, operations, legal, technical, and customer service teams to ensure smooth processing of credit applications.

Job Location

Mumbai, Maharashtra, India

For more details and to apply online, click here:
Apply Now – Kotak Careers

FAQs on Kotak CA Job Opportunity

1. Who can apply for this role?
Chartered Accountants with 2–4 years of relevant underwriting and credit assessment experience can apply.

2. What kind of experience is preferred?
Experience in working capital products, underwriting, and loan evaluation is highly desirable.

3. Is property knowledge mandatory?
While not mandatory, an understanding of legal and market valuation of properties is an added advantage.

4. What is the location for this job?
The position is based in Mumbai, Maharashtra, India.

5. How can I apply?
You can apply online via the official Kotak Career Portal here.

Conclusion

The Credit Manager (Housing Finance) position at Kotak is an excellent opportunity for Chartered Accountants seeking a career in credit risk, loan underwriting, and portfolio management. With responsibilities spanning working capital finance, home loans, and loan against property, this role promises both professional growth and hands-on exposure to diverse financial products.

If you have the required skills and experience, this could be your next big career move in the banking and finance sector.

Published on: 23 July 2025
Author: CS Chhavi Goyal