Credit Manager-SME & Business Banking
IDFC FIRST Bank — Sikar, SIKAR
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Job Description
Job Needs About the Job
The Credit Manager is tasked with overseeing a team and coordinating with the sales team to reach the assigned area targets. This post involves direct interaction with customers to assess their creditworthiness, guaranteeing completion of verifications, and adhering to the company's credit policy. The Credit Manager must balance sales support with risk aversion, contributing to the broader organizational objectives of the bank.
Core Responsibilities
Primary Responsibilities
- Underwrite secured and unsecured loan proposals in accordance with established policies and procedures to meet agreed SLAs and run business volumes.
- Supervise a team of credit underwriters and offer necessary guidelines.
- Conduct personal discussions with customers to assess creditworthiness.
- Control and reduce front-end delinquencies by contacting customers upon first presentation.
- Secure completion of credit and KYC documentation, among them telephonic, field, and collateral verifications.
- Collaborate with the sales team to reach targets and ensure SLA compliance.
- Guarantee adherence to credit policies and standards.
Secondary Responsibilities
- Support the sales team with credit-related queries and documentation.
- Assist in training and mentoring junior credit staff.
- Participate in audits and secure compliance with internal and external regulations.
What We Are Looking For
Education
- Graduate in any discipline.
Experience
- 4-5 years of relevant years of track record in credit underwriting.
Capabilities and Attributes
- Robust understanding of credit policies and procedures.
- First-rate communication and interpersonal capabilities.
- Aptitude to run and guide a team efficiently.
- Attention to detail and robust analytical abilities.
- Customer-centric approach with a concentrate on risk management
This Credit Manager-SME & Business Banking vacancy is based in Sikar.
Frequently Asked Questions
What are the eligibility criteria for the Credit Manager-SME & Business Banking job at IDFC FIRST Bank?
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 0-2 Years years of relevant experience expected for this role.
What are the primary responsibilities of a Credit Manager-SME & Business Banking at IDFC FIRST Bank?
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Credit Manager-SME & Business Banking at IDFC FIRST Bank.
Is prior experience required for this position?
This role requires around 0-2 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
What skills are important for this role?
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.
How do I apply for the Credit Manager-SME & Business Banking role at IDFC FIRST Bank?
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.
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