Credit Manager

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 Process Management Group offers a unique experience to Credit Managers for evaluating and underwriting across the spectrum of loan products and managing a portfolio.

360 Customer Credit Assessment

Drive the 360-degree assessment of the customers through the Credit Managers in the defined micro-markets to holistically capture the customer's banking needs over and beyond credit requirements.

Service Delivery

Ensure best-in-class customer experience in all the engagements of Credit Managers. Constantly mentor and guide the Credit Managers on the service delivery.

Process Compliance

Make sure the underwriting process is within established guardrails. Keep monitoring loan utilisation, repayment capacity, loan covenants, and compliance. Approve credit appraisal notes within your financial limit in line with the Banks framework.

Portfolio Management

Management of the assigned portfolio through improved disbursement with a key focus on quality.

Collaboration

Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal teams.

Ground Sensing

Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio.

Educational Qualification

MBA, chartered accountants & graduates with minimum 1 year experience in Sales/Relationship Management and fair understanding of financial statements

Communication skills

Good oral and written communication skills.

Financial Understanding

An understanding of the balance sheet, cash-flow statements profit & loss accounts and other financial parameters of the clients.

Regulation Awareness

The ability to gauge the impact of policies, rules, and regulations on the portfolio.

Risk Mitigation

Conceptual understanding of risk and risk mitigation strategies.

Hands-on Credit Knowledge

Credit underwriting, credit appraisal, finance, risk, and audit-related experience will be preferred.

Location