Credit Manager-Commercial Banking

Job Description

Applications are open for the Credit Manager-Commercial Banking post in Ahmedabad.

About the Job

Credit Manager – Wholesale Banking will run a sizable portfolio of corporate customers, securing portfolio health, and minimizing stress accounts or NPAs. The post holder will be accountable for enhancing the breadth and depth of product offerings to uphold 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.

Main Responsibilities

Primary Responsibilities

• Create, keep up, and continuously enhance 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.
• Deliver 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 spot 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.
• Guarantee 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 secure compliance with all regulatory and internal criteria.
• Periodically review bank products and processes, offering risk mitigation controls and training to business teams.

Secondary Responsibilities

• Deliver 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 streamlining.

What We Are Looking For

Education

• Graduation: Any Graduate
• Post-Graduation: Any Post Graduate

Experience

• Minimum 5 years of relevant background in credit risk management, preferably in wholesale or corporate banking.

Competencies and Attributes

• Sound analytical and decision-making capabilities.
• In-depth understanding of credit risk assessment, financial analysis, and regulatory frameworks.
• Outstanding communication and stakeholder management abilities.
• Proven leadership and team mentoring capabilities.
• Capability to drive innovation and continuous improvement in risk processes.
• High level of integrity, compliance orientation, and customer-centric mindset.