Job Requirements
Job Title –Credit Manager
Business Unit – Retail Banking -Credit
Job Purpose:
The role bearer has the responsibility to manage a team as well as coordinate with sales team to
achieve target of the area assigned. The role bearer will be in direct contact with the consumers
in order to establish their credit, worthiness, ensuring completion of verifications and adhering
to the guidelines set as per the company credit policy. The execution of these tasks must be
accomplished in such manner which is both sales supportive and risk averse contributing to the
larger organizational objectives of the bank.
Roles & Responsibilities:
Responsible for underwriting secured and unsecured proposals for loan customers as per
the laid down policies & procedure to honor the agreed SLAs and manage area business
volumes
Supervise a team of credit underwriters and provide guidelines
Conduct personal discussion with customers to establish credit worthiness
Control and contain front-end delinquencies by calling up customer on first presentation
Making sure completion of credit/KYC documents and verification- telephonic, field &
collateral visits
Coordinate with sales to achieve targets and ensure SLAs are met
Ensuring credit policy adherence to the accepted standards
Educational Qualifications:
Graduate – Any.
Experience: 2 to 5 years of experience in credit.