About the role
Job Title
Credit Manager-WC-SME-ST
Business Unit
Wholesale Credit-SME
Reporting To
Area Credit Manager / Regional Credit Manager / Team Leader
Job Function and Role Type
Credit, Individual Contributor, Light Travel
Version No
1.0
Job Purpose
Ensure adherence to policies, processes, and procedures to maintain portfolio quality and minimize risk. Analyze proposals, monitor vendors, and ensure timely credit decisions without compromising quality.
Key Responsibilities
Portfolio Management
Control early delinquency and mortality.
Maintain minimal NPA percentage.
Ensure CAM renewals are under control.
TAT Management
Ensure credit TAT within benchmarks.
Monitor CPA TAT adherence.
Monitoring of Vendor Performance
Appoint vendors as per business needs.
Ensure quality and timely vendor reports.
Adherence to Credit Policy and Processes
Ensure no deviations from policies or guidelines.
Provide ground-level feedback for improvements.
MIS Analysis
Monitor individual productivity and portfolio quality.
Handle vendor management and process improvements.
Compliance, Audit, and CRU Requirements
Review audit and compliance queries within TAT.
Provide local MIS responses promptly.
Education:
Chartered Accountant or MBA from a reputed institute.
Certifications:
None specified.
Key Competencies
Banking product and process knowledge, communication, industry knowledge, risk assessment, vendor management.
Major Stakeholders
Customers, Branch Banking Team, Operations, Business Teams, Audit/CRU.