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Role/Job Title: Credit Manager-FI Risk
Business: Wholesale Banking
Function/ Department: Wholesale Banking Risk
Place of work: Mumbai
Job Purpose:
The role holder has the responsibility to administer bank's lending process, from evaluating clients’ creditworthiness to approving or rejecting loan requests. It entails the responsibility of creating credit scoring models, setting loan terms and determining interest rates. The role holder has to partner with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems.
Roles & Responsibilities:
'-Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
'-Research and evaluate clients’ creditworthiness
'-Approve or reject loan requests, based on credibility and potential revenues and losses
'-Calculate and set interest rates, negotiate loan terms with clients
'-Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance
'-Develop, review and update bank’s credit policies
'-Follow up with clients to manage debt settlements and loan renewals
'-Create credit scoring models for risk assessment
'-Assure adherence to the guidelines set by the bank
'-Maintaining records of all bank loans, monitor loan payments and bad debts.
'-Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control
'-Capture and share best- practice knowledge amongst the team
Secondary Responsibilities:
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'-Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high quality customer service
'-Leverage in-house synergies through collaboration with internal stakeholders
Managerial & Leadership Responsibilities:
'- Attract and retain best-in-class talent for key roles in their reporting structure
Key Success Metrics:
'Portfolio Quality
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 5-10 Years years of relevant experience expected for this role.
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Credit Manager-FI Risk at IDFC FIRST Bank.
This role requires around 5-10 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
You can apply directly using the Apply Now button on this page, which will take you to IDFC FIRST Bank's application process for this role.