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Job Title
Credit Manager-WC-SME-ST
Business Unit
Wholesale Credit-SME
Reporting To
Area Credit Manager / Regional Credit Manager / Team Leader
Job Function and Role Type
Credit, Individual Contributor, Light Travel
Version No
1.0
Job Purpose
Ensure adherence to policies, processes, and procedures to maintain portfolio quality and minimize risk. Analyze proposals, monitor vendors, and ensure timely credit decisions without compromising quality.
Key Responsibilities
Portfolio Management
Control early delinquency and mortality.
Maintain minimal NPA percentage.
Ensure CAM renewals are under control.
TAT Management
Ensure credit TAT within benchmarks.
Monitor CPA TAT adherence.
Monitoring of Vendor Performance
Appoint vendors as per business needs.
Ensure quality and timely vendor reports.
Adherence to Credit Policy and Processes
Ensure no deviations from policies or guidelines.
Provide ground-level feedback for improvements.
MIS Analysis
Monitor individual productivity and portfolio quality.
Handle vendor management and process improvements.
Compliance, Audit, and CRU Requirements
Review audit and compliance queries within TAT.
Provide local MIS responses promptly.
Education:
Chartered Accountant or MBA from a reputed institute.
Certifications:
None specified.
Key Competencies
Banking product and process knowledge, communication, industry knowledge, risk assessment, vendor management.
Major Stakeholders
Customers, Branch Banking Team, Operations, Business Teams, Audit/CRU.
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 8 - 15 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 RA-HL-Service Centre Head-1 at HDFC Bank.
This role requires around 8 - 15 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 HDFC Bank's application process for this role.