Credit Manager-KCC
About this role
Role/ Job Title : Credit Manager - KCC
Business : Retail Underwriting - Agri
Function/ Department: Credit - underwriting
Job Purpose:
'Candidate will be responsible for assessing the loan applications, which involves determining the financial health and creditworthiness of potential borrowers. These managers work with borrowers to explain loan terms and offer advice aimed at reducing risks and achieving positive outcomes for all parties.
Roles & Responsibilities:
'1. Help develop relevant unnati MBL loans credit policies based on laws, regulations, and industry trends.
2. Assessment of customers sourced by Sales Team as per credit policy.
3. Scrutiny of loan application, KYC, Financial Reports, Collateral Documents and ascertaining eligibility as per credit policy.
4. Underwriting of proposal is based on customers profile.
5. Verification of Credit checks like RBI default list, dedupes checks about negative, caution and restricted profiles, Probe details, Individual and Commercial CIBILS, etc. and other mandatory checks as per credit policy and guidelines.
6. Analysis of statement of accounts, preparation of perfios.
Secondary Responsibilities:
'1. Understanding account related parameters. i.e., Churning, Cheque Returns, Utilization of facility, Interest Servicing, Cash flows, Cash deposits, remittance, and receivables details etc.
2. Analysis of valuation report and legal reports
3. Maintain best Turn Around Time and keep nil Audit and hind-sighting error to ensure quality in underwriting and maintain healthy Portfolio
Qualifications:
Post Graduate Degree - Graduate / Post Graduate / Professional qualification
Years of Experience:
2-5 Years of relevant experience
Company at a glance
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.
Tired of cold applications?
Sign up with Clera and we'll reach out the moment a role actually fits you — no more spraying applications into the void.
Know someone who'd be great for this?