Credit Manager-SME & Business Banking

Job Description: The Credit Manager plays a crucial role in Retail Banking - Credit by managing a team and collaborating with the sales team to meet the assigned area targets. It involves direct interaction with consumers to assess their creditworthiness, oversee verifications, and comply with the company's credit policies. The primary focus is on executing tasks in a manner that supports sales while mitigating risks, aligning with the bank's overall organizational goals. Key Responsibilities: - Underwrite secured and unsecured loan proposals based on established policies to meet SLAs and manage business volumes effectively. - Supervise a team of credit underwriters, offering necessary guidance and support. - Conduct personal discussions with customers to evaluate their creditworthiness. - Proactively handle front-end delinquencies by contacting customers after the initial presentation. - Ensure completion of credit/KYC documentation, including telephonic, field, and collateral verifications. - Collaborate with the sales team to achieve targets and uphold SLAs. - Maintain strict adherence to credit policies and established standards. Educational Qualifications: - Minimum requirement: Graduate in any discipline. Experience: - Ideally 1 to 4 years of experience in credit management.,