Credit Manager-Wholesale Banking at IDFC FIRST Bank

Job Description

The Credit Manager-Wholesale Banking position sits in the IDFC FIRST Bank office in Bengaluru.

Job Criteria

About the Position

Credit Manager – Wholesale Banking will handle a sizable portfolio of corporate client organisations, guaranteeing portfolio health, and minimizing stress accounts or NPAs. The job holder will be tasked with enhancing the breadth and depth of product offerings to sustain a competitive edge in target markets. A core focus will be on effective account relationship management to optimize customer satisfaction, retention, and wallet share by offering comprehensive banking solutions.

Key Responsibilities

Primary Responsibilities

Build, uphold, and continuously upgrade 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.
Offer recommendations on credit ratings and risk-return ratios to the appropriate approval committees.
Engage extensively with business teams to secure alignment with the bank’s risk appetite and recognise early warning signs of stress.
Continuously review customer rating models, financial performance, and external ratings to secure portfolio quality and regulatory compliance.
Lead portfolio reviews and assess early warning signal effectiveness to minimize risk.
Ensure 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 guarantee compliance with all regulatory and internal expectations.
Periodically review bank products and processes, giving risk mitigation controls and training to business teams.

Secondary Responsibilities

Offer 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 effectiveness.

What We Are Looking For

Education

Graduation: Any Graduate
Post-Graduation: Any Post Graduate

Experience

Minimum 9 years of relevant track record in credit risk management, preferably in wholesale or corporate banking.

Capabilities and Attributes

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

Frequently Asked Questions

What are the eligibility criteria for the Credit Manager-Wholesale Banking job at IDFC FIRST Bank?

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.

What are the primary responsibilities of a Credit Manager-Wholesale 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-Wholesale Banking at IDFC FIRST Bank.

Is prior experience required for this position?

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.

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-Wholesale 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.

Credit Manager-Wholesale Banking

IDFC FIRST Bank — Bengaluru, BENGALURU