Senior Credit Manager-Wholesale Banking at IDFC FIRST Bank

Job Description

Job Requirements

About the Role

We are looking for a Senior Credit Manager to join our Wholesale Banking Risk team . This role involves managing a sizable portfolio of corporate clients, ensuring portfolio health, and minimizing stress accounts or NPAs. The role holder will be responsible for enhancing the breadth and depth of product offerings to maintain a competitive edge in target markets. A key 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

Develop, maintain, and continuously improve 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.
Provide recommendations on credit ratings and risk-return ratios to the appropriate approval committees.
Engage extensively with business teams to ensure alignment with the bank’s risk appetite and identify early warning signs of stress.
Continuously review client rating models, financial performance, and external ratings to ensure 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 ensure compliance with all regulatory and internal requirements.
Periodically review bank products and processes, providing risk mitigation controls and training to business teams.

Secondary Responsibilities

Provide 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 efficiency.

What We Are Looking For

Education

Graduation: Any Graduate
Post-Graduation: Any Post Graduate

Experience

Minimum 10 years of relevant experience in credit risk management, preferably in wholesale or corporate banking.

Skills and Attributes

Strong analytical and decision-making skills.
In-depth understanding of credit risk assessment, financial analysis, and regulatory frameworks.
Excellent communication and stakeholder management abilities.
Proven leadership and team mentoring capabilities.
Ability 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 Senior 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 Senior 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 Senior 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 Senior 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.

Senior Credit Manager-Wholesale Banking

IDFC FIRST Bank — Bengaluru, BENGALURU