11 Secured Lending Jobs

Circle Business Head Job Profile Department: Sales- Secured Loans Role: This is a high-impact leadership role for an entrepreneurial business leader to drive profitable growth across Indias emerging markets. The Circle Business Head will be responsible for building, scaling, and leading a high-performing branch network (25+ branches) within a defined circle/state. With a sharp focus on customer centricity, operational excellence, and regulatory compliance, this role is central to expanding our reach in non-metro cities and economic hubs. Responsibilities: 1. Business Growth & P&L Ownership Own and exceed the circles AOP, P&L, ROA, and ROE targets Drive rapid and sustainable growth across secured lending products Maximize revenue through cross-sell, renewals, top-ups, and balance transfers Use competitive intelligence and local market insights to shape business strategy 2. Distribution & Network Expansion Scale a robust network of 25+ full-service branches in the assigned region Identify branch locations, manage lease closures, and oversee setup Drive direct sourcing via customer events, exhibitions, loan melas, MSME conclaves, roadshows, and local merchant connects 3. Team Leadership & Capability Building Lead a span of 4 to 6 Regional Business Heads, 25+ Branch Heads, and 75 100 FTEs Recruit, coach, and build a high-performance leadership pipeline across roles Foster a culture of ownership, agility, compliance, and customer-first execution 4. Risk, Compliance & Operational Excellence Ensure regulatory adherence, internal audit readiness, and governance excellence Oversee cost control, TATs, sourcing quality, recoveries, and risk containment Ensure compliance with municipal laws, property regulations, collateral management, litigation, and repossession protocols 5. Market Intelligence & Strategic Partnerships Build strong networks with local bodies, legal institutions, and fraud prevention agencies Leverage local intelligence to identify new business triggers and mitigate risks Stay ahead of trends in industries, customer behaviours, and competitor movements Job Profile Circle Business Head Qualification & Experience: 1. Educational Background Chartered Accountant or Masters in Business Management Preferably from Tier 1 or Tier 2 institutions 2. Experience & Functional Expertise 14-18 years of progressive leadership experience in banks or NBFCs Proven P&L ownership and multi-location team leadership experience Deep expertise in secured lending products: LAP, Home Loans, Secured Business Loans, Working Capital Finance Strong track record in both sales and collections within MSME, B2B, and B2C segments KeySkills&Competencies: 1. Market & Domain Knowledge Strong understanding of regional markets, customer segments, and business ecosystems Familiarity with compliance, audit, risk frameworks, and regulatory landscape Ability to engage with local bodies, legal entities, fraud control, and governance infrastructure 2. Attributes Demonstrated success in building large-scale distribution networks in emerging markets Experience in hiring, developing, and managing high performing, geographically spread teams Entrepreneurial mindset with a hands-on approach to problem-solving and execution 3. Personal Attributes & Mobility High integrity, result orientation, and strong business acumen Excellent communication and relationship-building skills Willingness to travel extensively across the assigned circle

Key Responsibilities: Own full P&L and deliver financial targets (AOP, ROA, ROE) Scale secured lending (LAP, home loans, business loans, working capital) Expand physical distribution through branch setup and regional events Lead a large team of Regional Business Heads and Branch Heads Ensure risk management, compliance, and governance Build strategic partnerships and use market intelligence to drive growth Ideal Candidate Profile: CA or MBA from a Tier 1/Tier 2 institution 14-18 years in banking/NBFCs with secured lending experience Proven track record in P&L ownership, sales, and collections Strong understanding of LAP, Home Loans and Working Capital. Demonstrated leadership in building and managing large, distributed teams Entrepreneurial, hands-on, and willing to travel extensively

Roles and Responsibilities Manage a team of sales professionals to achieve business targets through effective lead generation, customer acquisition, and relationship management. Develop and implement strategies to increase market share in the assigned region (Punjab & Haryana). Ensure timely disbursement of funds to borrowers while maintaining high levels of customer satisfaction. Monitor portfolio performance regularly to identify areas for improvement. Identify new business opportunities by networking with potential customers, building relationships, and negotiating deals.

Role & responsibilities The Head Risk Policy will be responsible for development and implementation of optimum risk framework, policies and processes in Retail Lending (Secured & Unsecured Loans). The role is a that of a key member of management and responsible for evaluating and recommending the degree of acceptable risk and reward levels for the products and to set policies, processes, underwriting, portfolio management criteria and methods including the use of statistical models and techniques where appropriate. The role is also responsible for analyzing financial results from the products in particular relating to the major items of risk and reward (revenue, collections, provisions and write offs) and reports on the effectiveness of all major programs for changes where required. KPI's : To develop and implement risk management framework To develop, implement various policies and processes to ensure optimum risk management within the organizations risk appetite framework and compliance to regulatory guidelines To drive development, acquisition and implementation of systems that improve, enhance and monitor new lending applications Audits and Monitoring Support the audit teams and monitor and implement their observations To develop portfolio monitoring for effective risk monitoring To ensure effective early warning signals to management and develop risk recovery policies for defaulted loans Team Development Preferred candidate profile Preferably Post Graduate with 15+ years experience in Head Risk Policy for Retail Lending Segment (Secured & Unsecured Loans).

Role & responsibilities : To understand clients business & provide appropriate working capital solutions across Fund/ non Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG etc. Work closely with Branch Banking teams for new customer addition. To penetrate client with various products like Current Account/Term Deposits/Transaction Banking/Trade Finance for the primary Relationship & Group companies. Manage and service existing portfolio of WC clients including renewal and enhancement of limits Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence. Focus to continually increase the Book size and profitability of the assigned portfolio. To understand client business models, trade related activities, cash flows etc. and identify opportunities and grow client relationships. To be alert on competitive elements in the target segments (viz. other banks etc.) & Augment the presence and penetration of the Kotak brand in the target market Maintain high caliber client service. Improve efficiency by monitoring & overseeing continuous improvement of processes Constantly have a rapport with the operating units to customize and develop solution Preferred candidate profile : Experience: 2+ years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like BL,WC, OD,CC etc. Interested candidates please share resumes to kashish.tambe@kotak.com

Role & responsibilities : .Manage and service existing portfolio of WC clients including renewal and enhancement of limits • Build strong and effective relationship with Promoters and build client trust and confidence • Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. • Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. • Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. • Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. • Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. • Ensure minimum delinquency and work towards exit of clients identified in EWS. • Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. • Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. • Drive cross sell products including WC limits and book penetration in allocated set of clients. • Generate leads from existing customers and on-board new customers basis existing relationship management. *Maintain CASA book and generate float income by opening all group accounts. Preferred candidate profile : Experience: 2-3 years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc Interested candidates please share resumes to kashish.tambe@kotak.com

Role & responsibilities :Manage and service existing portfolio of WC clients including renewal and enhancement of limits • Build strong and effective relationship with Promoters and build client trust and confidence • Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. • Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. • Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. • Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. • Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. • Ensure minimum delinquency and work towards exit of clients identified in EWS. • Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. • Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. • Drive cross sell products including WC limits and book penetration in allocated set of clients. • Generate leads from existing customers and on-board new customers basis existing relationship management.Maintain CASA book and generate float income by opening all group accounts. Preferred candidate profile Experience: 2-3 years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc Share resumes Through: vannela.rajendhar@kotak.com/manchala.asharani@kotak.com

*Min. 01yr to 3 yr exp.in Field sales *Preferred from Banking/ NBFC/Insurance Industry *Business relations with existing customers *Handling customers queries * Ready to sales in open Market. * Build Good Network in open Market Required Candidate profile * Min. Graduate * Excellent communication skill * Presentable & good communicator * Should have good understanding of customer * Male * Age - below 33

Role & responsibilities As the Business Sales Manager, you will be responsible for driving business sales and revenue growth within your assigned territory or customer segment. Your role involves developing and executing sales strategies, identifying new business opportunities, and building strong relationships with key clients. You will collaborate with internal teams to deliver customized solutions and ensure customer satisfaction

Home Loans, Sales, Mortgage, BT, REACH, Non Housing, small CF, land loan, self-construction Loan, o Strategy for empanelling non- builder BSA oSSR analysis of BSA, •Responsible for identifying untapped marketo Achievement Vs target for the last month Required Candidate profile candidates with a strong mortgage sales background, 10 to 15 years of experience minimum in hl & lap sales, and a demonstrated history of being a strong team player with good job stability.

**** CANDIDATES FROM TIER-1 INSITITUES(IIT, IIIT, NIT/BITS) ONLY MAY APPLY**** Role - Risk Analyst/Sr.Risk Analyst Location- Bengaluru Roles & Responsibilities: Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which are delinquent or working well. Helps to develop credit strategies across the customer lifecycle (acquisitions, management, fraud, collections, etc.) Identify trends by performing necessary analytics at various cuts for the Portfolio Provide analytical support to various internal reviews of the portfolio and help identify the opportunity to further increase the quality of the portfolio Work with Product team and engineering team to help implements the Risk strategies Work with Data science team to effectively provide inputs on the key model variables and optimise the cut off for various risk models Create a deep level understanding of the various data sources (Traditional as well as alternate) and optimum use of the same in underwriting Should have good understanding about various unsecured credit products Should be able to understand the business problems and helps convert them into the analytical solutions Required skills & Qualifications : Bachelor's degree in Computer Science, Engineering or related field from top tier (IIT/IIIT/NIT/BITS) 1-5 years of experience working in Data science/Risk Analytics/Risk Management with experience in building the models/Risk strategies or generating risk insights Proficiency in SQL and other analytical tools/scripting languages such as Python or R Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions Proficiency with statistical and data mining techniques Proficiency with machine learning techniques such as decision tree learning etc. Should have an experience working with both structured and unstructured data Fintech or Retail/ SME/LAP/Secured lending experience is preferred Interested, share your CVs on nahida.banu@neweraindia.com