Credit manager

• The role will require you to prepare credit proposals, including independent recommendation and presentation directly to the Risk Sanctioning Unit and/or Committee on behalf of the Relationship Point.

• Assess customer s business and/or transaction structure through the analysis of business, transactional, market and credit risks associated with the provision of the Bank s products and services to the customer.

• Proactively manage the risk of the designated portfolio by periodic review, identify potential credit deterioration or EWL sign of delinquency and take immediate corrective action on breaches or downturn in quality by taking up with client/Coverage/Risk Sanctioning teams

You may be assessed on the key critical skills relevant for success in role, such as experience with corporate credit analysis, as well as job-specific skillsets.

To be successful as a "Credit Manager", you should have experience with:

Basic/ Essential Qualifications:

Chartered Accountant

MBA (Finance)

CFA

Desirable skillsets/ good to have:

Good credit report underwriting skills

Sound understanding of corporate financial statements (including Balance Sheet, Profit & Loss and Cash Flow) and ratio analysis

Experience in dealing with various corporate banking lending products such as Term Loan, Overdraft, RCF, Trade products (Letter of Credit, Bank Guarantee, CID, Trade Loan) and FX/Derivatives line

This role will be based out of Noida.

Purpose of the role

To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities.

Accountabilities

• Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default.
• Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default.
• Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies.
• Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans.

Analyst Expectations

• To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement.
• Requires in-depth technical knowledge and experience in their assigned area of expertise
• Thorough understanding of the underlying principles and concepts within the area of expertise
• They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources.
• If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L - Listen and be authentic, E - Energise and inspire, A - Align across the enterprise, D - Develop others.
• OR for an individual contributor, they develop technical expertise in work area, acting as an advisor where appropriate.
• Will have an impact on the work of related teams within the area.
• Partner with other functions and business areas.
• Takes responsibility for end results of a team s operational processing and activities.
• Escalate breaches of policies / procedure appropriately.
• Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.
• Advise and influence decision making within own area of expertise.
• Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.
• Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.
• Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
• Make evaluative judgements based on the analysis of factual information, paying attention to detail.
• Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.
• Guide and persuade team members and communicate complex / sensitive information.
• Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.