Job Requirements

About the Role

The Credit Manager Commercial Banking plays a pivotal role in driving risk-calibrated, profitable growth by managing end-to-end credit appraisal, decision-making, and portfolio monitoring. This role ensures portfolio quality through early warning systems, covenant tracking, and stress testing, while also engaging with clients throughout their lifecycle. The Credit Manager partners with Relationship Managers to structure credit solutions, maintain compliance, and embed market intelligence into underwriting practices.

Key Responsibilities

Primary Responsibilities

Credit Appraisal & Approval

Conduct in-depth analysis of financials, credit bureau reports (commercial & consumer), banking history, and QCA modules.

Evaluate credit proposals and approve/recommend within delegated authority.

Ensure adherence to credit policies, regulatory norms, and documentation standards.

Portfolio Quality & Risk Management

Monitor portfolio performance including NPAs, overdue/SMA accounts, and covenant compliance.

Develop and refine Early Warning Signal (EWS) frameworks and drive timely corrective actions.

Conduct stress tests and scenario analyses to assess portfolio resilience.

Customer Visits & Engagement

Perform lifecycle-based field visits (prospecting, onboarding, post-disbursal, renewals) to validate creditworthiness and track business performance.

Collaborate with Relationship Managers to structure solutions and proactively manage risks.

Reporting & Compliance

Provide periodic updates on portfolio health, delinquency trends, and sectoral views.

Ensure compliance with regulatory guidelines and internal audit requirements.

Governance & Process Optimization

Recommend policy and process improvements based on market trends and internal insights.

Implement system/process enhancements to streamline underwriting and monitoring.

Market Intelligence & External Feedback

Gather market feedback from peer banks, rating agencies, and industry sources.

Translate insights into updates for underwriting standards and sector notes.

Maintain benchmarks of market practices and track adoption of relevant changes.

Secondary Responsibilities

Coach RMs/ARMs on financial analysis, CAM quality, and covenant monitoring.

Support credit model validation and rating calibration exercises.

Participate in due diligence, vendor audits, legal reviews, and collateral governance.

Contribute to credit knowledge assets such as templates, playbooks, and training sessions.

What We Are Looking For

Education

Graduate Degree: B.Tech, B.Com, BA, or B.Sc from accredited universities (Premier/Tier I preferred; Tier II/III considered with relevant experience).

Postgraduate Degree: MBA/PGDM or CA/ICWA (treated as PG-equivalent for this role); full-time programs only.

Experience

612 years of relevant experience in private or public sector banking.

Exposure to Mid Corporate or Commercial Banking segments.

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