CREDIT MONITORING

AND AUTOMATION
PROCESS IN
COMMERCIAL BANK

Presented by : Marc Mendonca (PF2224-E028)

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Kotak Mahindra Bank
• Formation in 1985

• Diversification and Expansion

• Banking License

• Acquisitions and Mergers

• Growth and Recognition

WHAT IS CREDIT MONITORING ?
 DEPARTMENT OUTLOOK
Slide 3
STOCK DP
PLEDGE
AUDIT CALCULATION

CREDIT MONITORING
TEAM

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 OBJECTIVES
Slide 12
To study the factors that influence a stock audit report.

To help CMT members to analysis of report and send the synopsis of the assigned borrowers
through Stock Audit Application for all cases

To provide important observations in RED Flagged Cases.

To enhance business by BOT, saving the synopsis mail from the mail directly in the common drive in
systematic manner based on below logic- Month specific folder will be created

Separate Folder will be created for each CRN once mail is marked to specific mail ID

Mail communication related to specific case ID shall be stored as subfolder.

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 Business Unit Credit Monitoring
DATA ANALYSIS
Slide 13 Storage of the stock Audit
Synopsis Mails automatically on
server. Making the reports and
mails available in future to
ensure data security & no
Process Description dependency on the individual
users
Stock Audit application and
Application Involved Outlook
Frequency of the process Daily
Turn around time (TAT) 1 Day
Average Transaction Time (In minutes) 10
Average Monthly Transaction Volume 250
Max Monthly Transaction Volume 300
Total end to end time for processing Monthly transaction
in mins 2500
Total end to end time for processing Yearly transaction
in mins 30000

Data Loss due to system and PST

issues leads to non availability
of the reports and mails. These
reports are asked by internal
teams as well as external
Need of Automation required agencies and availability of
same
Credit Monitoring Team
Process Practioner Members
BSGs Involved Commercial BSG
No. of resources currently involved in process 10
Process Complexity High
% of the process Automation 80
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 DATA COLLECTION SOURCE AND TOOLS
Slide 14
• Internal Systems and Databases
• Application Programming Interfaces (APIs):
• Data Extraction from Documents
• Data Cleaning and Preparation Tools

BENEFITS OF CREDIT MONITORING AUTOMATION

• Operational Efficiency • Risk Mitigation
• Cost Reduction • Data Analytics and Insights
• Enhanced Customer Experience • Security and Fraud Prevention

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 FINDINGS AND INTERPRETATION
Slide 7

 Availability of Stock Audit Report and synopsis mails in

organized manner for access by CMT, Business and Credit
teams in future.

 Data back up will be created for emails related to stock audit

report circulation thereby removing the problem of non-
availability of the details in future due to corruption of PST,
LAPTOP issues of users and discontinuation of team members

 Easy availability of data for sharing with RBI.

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 CONCLUSION
Slide 10
In the banking industry, automation has a transformative effect by improving productivity,

reducing manual work, and enabling better resource allocation. It empowers banks to

streamline operations, improve decision-making, and optimize risk management practices.

RECOMMENDATION

• Explore Intelligent Automation

• Collaborate with IT and Business Units

• Conduct Proof of Concept (PoC)

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 Slide 15

THANK YOU!

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