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

Across India

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