Senior Credit Manager-Business Banking

Role Overview: As a Senior Credit Manager in Business Banking at our Mumbai office, you will be responsible for assessing, evaluating, reviewing, and approving credit proposals related to retail credit products like term loans, trade finance, CC, OD, etc. Your role will involve maintaining service level deliverables, effective portfolio management, and working on appropriate account strategies in line with the bank's risk appetite. Key Responsibilities: - Conduct credit appraisal of loan applications within defined guidelines and make recommendations for approval to higher authorities. - Clearly convey opinions and highlight critical risks, along with suitable mitigates, regarding the acceptability of proposed transactions/facilities. - Demonstrate awareness of the proposed products and their suitability to client requirements. - Conduct personal discussions with customers for better understanding. - Monitor portfolios by ensuring timely renewals, deferral management, and early warning signal (EWS) management. - Conduct customer visits for key customers and high-value relationships. - Maintain defined credit and end-to-end Turnaround Time (TAT) to ensure timely service to both internal and external customers. Qualification Required: - Graduate in any discipline. - Post Graduate degree in MBA Finance. - Preferable qualifications include CA/CS/CFA. Additional Details: At IDFC First, we emphasize a customer-first culture and expect our Senior Credit Managers to keep their teams motivated and aligned with the organizational strategy. You will also play a key role in attracting and retaining top talent for important roles within your reporting structure. With a minimum of 5+ years of experience in credit underwriting, you will bring valuable expertise to our Business Banking-Retail Underwriting team.,