Credit Manager-Wholesale Banking at IDFC FIRST Bank

Job Description

Job Expectations

About the Post

Credit Manager – Wholesale Banking will oversee a sizable portfolio of corporate clients, ensuring portfolio health, and minimizing stress accounts or NPAs. The position holder will be in charge of enhancing the breadth and depth of product offerings to keep up a competitive edge in target markets. A main focus will be on effective account relationship management to optimize customer satisfaction, retention, and wallet share by offering comprehensive banking solutions.

Core Responsibilities

Primary Responsibilities

Shape, sustain, and continuously strengthen 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.
Give recommendations on credit ratings and risk-return ratios to the appropriate approval committees.
Engage extensively with business teams to guarantee alignment with the bank’s risk appetite and pinpoint early warning signs of stress.
Continuously review client organisation rating models, financial performance, and external ratings to guarantee portfolio quality and regulatory compliance.
Lead portfolio reviews and assess early warning signal effectiveness to minimize risk.
Secure 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 ensure compliance with all regulatory and internal needs.
Periodically review bank products and processes, delivering risk mitigation controls and training to business teams.

Secondary Responsibilities

Give 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 productivity.

What We Are Looking For

Education

Graduation: Any Graduate
Post-Graduation: Any Post Graduate

Experience

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

Abilities and Attributes

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

Location for this Credit Manager-Wholesale Banking opening: Pune.

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 10-18 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 10-18 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 — Pune, PUNE