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Credit Manager-Wholesale Banking

New Delhi New Delhi Delhi, Delhi, India
Competitive Salary
Closing date
May 29, 2024

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Job Role
Contract Type
Full Time

Job Title:
Credit Manager

Function/ Department: Wholesale Banking Risk

Job Purpose:

The candidate shall make credit appraisal of corporate borrowers from asset lending perspective and recommend new as well as existing relationships for approval. Role shall also involve portfolio monitoring interacting and coordinating with the business units, internal stakeholders (legal/compliance/trade/internal audit/product team) and external Stakeholders (Banks / Rating Agencies) for existing and prospective relationships. Keeping the unit abreast of the current industry updates, Peer group update and competition updates.

Roles &


  • Facilitate regular asset quality reviews with analytical insights to identify risks/ opportunities and recommend relevant actions.
  • Appraise and evaluate clients' creditworthiness for onboarding asset relationship in accordance with bank policies and regulatory framework.
  • Review, recommend or reject loan requests, based on credibility and potential revenues and losses.
  • Negotiate loan terms with borrowers to mitigate credit risk.
  • Ensure credit policies and risk appetite criteria are adhered regularly.
  • Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control.
  • Capture and share best- practice knowledge amongst the team.
  • Interacting with Rating agencies, SRMs, Peer groups, Competition and industry update.
  • Leverage in-house synergies through collaboration with internal stakeholders.

Education Qualification:

Graduation: Bachelor of Commerce / Accounting / Finance

Post-graduation: MBA / PGDM (Finance)

Professional Qualification/Certification: Chartered Accountant (CA) / FRM / CS

Experience: 5 to 10 years of relevant experience in Credit Risk Role.

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