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Full-time
bachelor degree, postgraduate degree
Posted 92d ago
~40 hrs/week
Responsibilities
The Credit Manager will manage a portfolio of corporate clients to ensure portfolio health and minimize risk through thorough credit assessments. They are responsible for developing risk management strategies, monitoring portfolio performance, and ensuring compliance with regulatory standards.
Requirements
Candidates must have a minimum of 5 years of experience in credit risk management, preferably within wholesale or corporate banking. A degree in any field is required, along with strong analytical, leadership, and stakeholder management skills.
Full job description
Job Requirements
About the Role
Credit Manager – Wholesale Banking will manage a sizable portfolio of corporate clients, ensuring portfolio health, and minimizing stress accounts or NPAs. The role holder will be responsible for enhancing the breadth and depth of product offerings to maintain a competitive edge in target markets. A key focus will be on effective account relationship management to optimize customer satisfaction, retention, and wallet share by offering comprehensive banking solutions.
Key Responsibilities
Primary Responsibilities
Develop, maintain, and continuously improve credit risk management strategies, frameworks, and risk tolerance levels for the corporate lending business.
Conduct thorough and independent credit risk assessments of all proposals, focusing on asset quality, pricing, collateral, financials, management quality, and industry outlook.
Provide recommendations on credit ratings and risk-return ratios to the appropriate approval committees.
Engage extensively with business teams to ensure alignment with the bank’s risk appetite and identify early warning signs of stress.
Continuously review client rating models, financial performance, and external ratings to ensure portfolio quality and regulatory compliance.
Lead portfolio reviews and assess early warning signal effectiveness to minimize risk.
Ensure timely generation, dissemination, and follow-up of portfolio risk reports and dashboards in line with defined procedures and quality standards.
Oversee the implementation of enterprise risk management policies and ensure compliance with all regulatory and internal requirements.
Periodically review bank products and processes, providing risk mitigation controls and training to business teams.
Secondary Responsibilities
Provide inputs to policy and product teams based on industry changes and trends.
Support the formulation and revision of credit policies.
Collaborate with internal stakeholders to enhance risk governance and operational efficiency.
What We Are Looking For
Education
Graduation: Any Graduate
Post-Graduation: Any Post Graduate
Experience
Minimum 5 years of relevant experience in credit risk management, preferably in wholesale or corporate banking.
Skills and Attributes
Strong analytical and decision-making skills.
In-depth understanding of credit risk assessment, financial analysis, and regulatory frameworks.
Excellent communication and stakeholder management abilities.
Proven leadership and team mentoring capabilities.
Ability to drive innovation and continuous improvement in risk processes.
High level of integrity, compliance orientation, and customer-centric mindset.
For any bank-related queries, please email us at [email protected] or call 1800 10 888 (Toll free).
Industry
Banking
Company size
10,001+ employees
Founded
2015
Headquarters
Mumbai, Maharashtra
LinkedIn followers
1,797,049
Total funding
$1.8B
**Never share your password, OTP, UPI Pin, CVV etc with anyone.**
Formed in December 2018 through the merger of infrastructure finance giant IDFC Bank and retail finance specialist Capital First, we commenced commercial banking operations in 2016. Our core principles:
Vision: Building a world-class bank in India, driven by ethical, customer-friendly, digital, and socially responsible banking principles.
Universal Bank: Offering a comprehensive range of services like Retail, MSME, Rural, Startups, Cash & Wealth Management, Deposits, Corporate & Government Banking, Working Capital, Trade Finance, and Treasury Solutions.
Ethical Banking: We follow a 'Near and Dear' test, ensuring products are customer-friendly enough for employees to recommend to loved ones. We simplify legal jargon for clarity and offer 'ZERO FEE Banking' on all savings account services like SMS alerts, IMPS, RTGS, NEFT, ATM withdrawals, and more, making it India’s 1st & only bank to do so.
Customer-Friendly Banking: IDFC FIRST Bank credits monthly interest on savings accounts, offers lifetime-free credit cards with non-expiring rewards and transparent fees.
Technology-led Banking: Seamless services across mobile, branches, internet banking, call centres, & relationship managers. Our mobile app, with 250+ features, is rated 4.8 on Google Play & the App Store.
Global rating agency Forrester ranked it India’s best & among the world’s top 20 for two consecutive years.
Social Good Banking: Focusing on financial inclusion, we serve 40M+ customers, with 16M lifestyle improvement loans,15M loans to 4.3M women entrepreneurs, 6.5M vehicle loans, 1M each for sanitation & livelihood, 300K SME, and 100K home loans.
ESG Goals: We hold high ESG scores, demonstrating our commitment to financial inclusion & social responsibility.
Creating a new-age, ethical and world-class institution for India is a privilege for its employees.
Offices: IDFC FIRST Bank Tower, The Square, C-61, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai, Maharashtra 400 051, IN
For any bank-related queries, please email us at [email protected] or call 1800 10 888 (Toll free).
Industry
Banking
Company size
10,001+ employees
Founded
2015
Headquarters
Mumbai, Maharashtra
LinkedIn followers
1,797,049
Total funding
$1.8B
**Never share your password, OTP, UPI Pin, CVV etc with anyone.**
Formed in December 2018 through the merger of infrastructure finance giant IDFC Bank and retail finance specialist Capital First, we commenced commercial banking operations in 2016. Our core principles:
Vision: Building a world-class bank in India, driven by ethical, customer-friendly, digital, and socially responsible banking principles.
Universal Bank: Offering a comprehensive range of services like Retail, MSME, Rural, Startups, Cash & Wealth Management, Deposits, Corporate & Government Banking, Working Capital, Trade Finance, and Treasury Solutions.
Ethical Banking: We follow a 'Near and Dear' test, ensuring products are customer-friendly enough for employees to recommend to loved ones. We simplify legal jargon for clarity and offer 'ZERO FEE Banking' on all savings account services like SMS alerts, IMPS, RTGS, NEFT, ATM withdrawals, and more, making it India’s 1st & only bank to do so.
Customer-Friendly Banking: IDFC FIRST Bank credits monthly interest on savings accounts, offers lifetime-free credit cards with non-expiring rewards and transparent fees.
Technology-led Banking: Seamless services across mobile, branches, internet banking, call centres, & relationship managers. Our mobile app, with 250+ features, is rated 4.8 on Google Play & the App Store.
Global rating agency Forrester ranked it India’s best & among the world’s top 20 for two consecutive years.
Social Good Banking: Focusing on financial inclusion, we serve 40M+ customers, with 16M lifestyle improvement loans,15M loans to 4.3M women entrepreneurs, 6.5M vehicle loans, 1M each for sanitation & livelihood, 300K SME, and 100K home loans.
ESG Goals: We hold high ESG scores, demonstrating our commitment to financial inclusion & social responsibility.
Creating a new-age, ethical and world-class institution for India is a privilege for its employees.
Offices: IDFC FIRST Bank Tower, The Square, C-61, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai, Maharashtra 400 051, IN