Credit Manager

Essential Services : Role & Location fungibility

One Bank, One Team

About the role

As a Credit Manager, you will manage a team of credit managers engaged in credit evaluation and credit underwriting of various loan products for customers across retail, agri, business banking, and small and medium enterprises. In the process of credit evaluation, you and your team will get an opportunity to capture the diverse 360-degree banking needs of the customers and recommend suitable products and services in line with customer needs. The credit team is responsible for credit evaluation of loan products such as personal, mortgage, vehicle, credit card, working capital, enterprise credit, and business loans. ICICI Bank follows the principle of Fair to Customer and Fair to Bank. In this process, you and your team will work closely with the relationship teams responsible for customer engagements. ICICI Bank follows a single-point credit evaluation covering all credit requirements of the customers to offer superior service. Mentoring the team of Credit Managers in capturing the 360-degree needs of the customer and driving service standards in all their engagements is a crucial responsibility. The Credit and Policy team offers a unique experience to Credit Managers for evaluating and underwriting across the spectrum of loan products and managing a portfolio.

Key Responsibilities

360° Customer Credit Assessment:

Service Delivery:

Process Compliance:

Portfolio Management:

Collaboration:

Ground Sensing:

Qualifications & Skills

Educational Qualification:

Communication skills:

Financial Understanding:

Regulation Awareness:

Risk Mitigation:

Hands-on Credit Knowledge:

About the Business Group

ICICI Bank’s Retail Banking Group serves customer segments consisting of individuals, self-employed professionals, SMEs, proprietors, government, and retail institutions. With more than 6,600 branches across the country, our relationship team is dedicated to serving customer needs with a 360-degree approach. ICICI Bank has a unique bouquet of digital solutions covering the diverse banking needs of customers. To facilitate a seamless customer banking experience, we have adopted the ICICI Stack approach. It covers a complete range of banking services from bank accounts, payments, banking transactions, and credit cards to personal, mortgage, vehicle loans, and business solutions.

The Credit and Policy Group (CPG) is responsible for credit evaluation and underwriting of customers being served by the Retail Banking Group. CPG also formulates policies for various loan products and continuously looks for opportunities to simplify processes in order to serve customers seamlessly.