Credit Manager

Location: Across India

About Credit and Policy Group:

Credit and Policy Group is an integral function of the bank and is responsible for credit underwriting of customers across Retail and Business Banking with a focus of 360 degree Banking. We have adopted an organisational model that will intensify our unified approach, to provide a holistic banking experience to our customer. The incumbent works closely with the Sales & Relationship teams to on-board value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments.

Role of a Credit Manager

The incumbent is responsible for credit underwriting of customers across individual, business banking and rural ecosystems with a focus on 360 degree Banking. Through a superior service, delivery and transaction experience for customers, the Credit Manager gets an opportunity to capture the diverse 360 degree banking needs and offers solutions accordingly. The incumbent works closely with the Sales & Relationship teams to onboard value customers for the Bank. The role has a significant contribution towards capturing opportunities across customer segments. 

Primary job duties/responsibilities 

Undertake a comprehensive 360 Banking assessment of customers and offer right Banking solutions

Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers

Undertake the credit assessment process within defined turn-around-time (TAT)

Focus on delivering best in class service and transaction experience to customers in every engagement

Consider key market nuances in the credit underwriting process

Undertake comprehensive opportunity capturing while conducting credit assessment

Keep a focus on creating high quality portfolio

Manage the complete life-cycle of loan process, through credit application till disbursement

Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning

Ensure post disbursement documents and covenant management

Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others

Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks

Educational Qualifications: 

Candidate should have a Graduate degree with professional qualification of Chartered Accountancy, ICWAI or CFA. Alternatively, should be a CA/ICWAI-Intermediate, MBA-Finance with 2 years of experience or should have Graduate, Post-Graduate degree from a Premier institution preferably in Economics / Commerce / Business Administration or Finance with min 3 years of experience.

Experience:

Experience in credit underwriting, credit appraisal, finance, risk, audit will be preferred

Should have an analytical bend of mind

Basic knowledge of financing and financial statement 

Collaborative and orientation to work in cross functional teams

Should have an orientation to learn

Conceptual understanding of risk and risk mitigation strategies 

Basic Orientation for business and analytical acumen

Basic understanding of financial analysis, balance sheet and profit and loss accounts

Ability to assess impact of policies, rules and regulations on portfolio

Strong communication (both oral and written) and negotiation skills

Attention to detail 

Exposure to analytics would be an added advantage

Ability to articulate own point of view