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Credit Delivery Lead-Credit Cards

idfc first bank
United Kingdom
Competitive Salary
Closing date
Feb 13, 2024

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Job Role
Contract Type
Full Time
Business: Retail Banking

Function/ Department: Retail Underwriting

Place of Work: Mumbai

Job Purpose

'To assess, evaluate review and approve credit proposals as which is referred to retail credit involving Credit Card products

To Maintain the service level deliverables agreed with counter parts

Effective portfolio management including regular monitoring, early warning identifications, deferral tracking, renewals and working on appropriate account strategy in conjunction with business team in line with the Banks's risk appetite

Interpersonal relationship Management with Peers

Key / Primary Responsibilities

'Appraisal of proposals:

Maintain high standard of Credit Appraisal and Review, Identifying Key Risk and Mitigates to take informed decision, maintain good market connect.

Adherence of Policy and Regulatory guidelines

Portfolio Growth

Portfolio Monitoring

  • Timely Renewal
  • Deferral Management
  • EWS Management
  • Customer visits on key customers and high value relationship


Maintaining the defined credit and end to end TATs so as to timely service internal as well as external customers.


  • Attract and retain best-in-class talent for key roles in their reporting structure

Secondary Responsibilities

'- Foster a market research led culture to drive continuous process improvements by benchmarking against competitor banks

  • Budgeting and scheduling resources to ensure best utilization of manpower
  • Ensure all MIS related to credit are prepared and published within defined timeliness
  • Responsible for day-to-day administrative excellence in ensuring smooth functioning of deptt.
  • Employ tools such as automation and digitization to increase process efficiency

Managerial & Leadership Responsibilities

'- Champion IDFC First's customer first culture by driving the team to take up high degree servicing norms to ensure absolute customer delight

  • Attract and retain best-in-class talent for key roles in their reporting structure
  • 'Ensuring minimum regrettable exits, Motivation to team
  • Regular training for the team to keep them updated about latest changes in policy, regulatory requirements and economic situation

Key Success Metrics

'1. Productivity

  • TAT
  • Portfolio Management
  • Hind Sight / Audit Observations
  • Training and Development

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