Manager-Credit Compliance

1. POSITION DESCRIPTION

JOB TITLE

Manager-Credit Compliance

GRADE

AVP-I

DEPARTMENT

Credit

LOCATION

HO

SUB-DEPARTMENT

Micro Banking

TYPE OF POSITION

Full-time

REPORTS TO

National Manager - Credit Policy

REPORTING INTO

NA

1. ROLE PURPOSE & OBJECTIVE

• The Manager – Credit Compliance is responsible for ensuring full compliance with regulatory, statutory, and internal credit policies for all credit products.The role acts as the single point of contact (SPOC) forRBI inspections and supervisory reviews, RBI Risk Based Supervision (RBS) submissions, Statutory and internal audits related to credit department.
• The position acts as a critical link between credit, risk, audit, legal, and compliance teams, ensuring that credit practices are transparent, customer-centric, and aligned with RBI guidelines and the Bank’s risk appetite.

1. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Not Applicable as the profile requires supporting on site audit, ensuring timely system check and no direct evolvement in the portfolio management.

• PAN India preventing regulatory, reputational, and credit risks for entire asset.
• Ensure timely, accurate, and effective responses to regulators and auditors 4 times in a year coordination with 15-20 auditors.
• Embedding regulatory compliance into credit policies while managing 8-10 underwriting systems, and operational processes

1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Serve as a single point of contact (SPOC) for RBI inspections and supervisory reviews, RBI Risk Based Supervision (RBS) submissions, Statutory audits, Internal and concurrent audits related to credit
• Coordinate with all credit teams (Micro banking, Retail, MSME, Corporate, Agri, etc.) for Data Collation, Clarifications, Documentation, Action plans.
• Ensure timely, accurate, and consistent responses to RBI and auditors during inspections.
• Designated ‘Business Risk and Compliance Officer’ for credit vertical and closely work with Second line of defense to provide the data/information inputs and updates regarding all matters pertaining to Risk and Compliance aspects.
• Shall be the department coordinator for ad-hoc request raised by any regulator /bodies/agencies.
• Responsible for providing adequate support to the officials conducting thematic reviews and compliance testing and shall assess the identified issues and implement action plans wherever necessary.
• Conduct internal meetings with the topics discussed during risk & compliance connect on monthly basis with the internal stakeholders on key risks and how to mitigate these risks.

Internal Process

• Ensure all applicable process notes emanated by the credit department shall have Risk and Control Matrix (RCM)
• Responsible for completing the RCSA (Risk and Control Self-assessment) testing within 6 months post implementation of any process/product change.
• Incident reporting to Operational Risk team and conduct Root Cause Analysis (RCA) on critical incidents.
• Define risk appetite around critical processes as necessary, along with Risk team and define Business Impact Assessment for effective management of disruption.
• Collation and ensuring correctness of the data submitted to RBI (Tranche I & II), Bank profile and any other information sought by RBI, during onsite or post onsite audits

Customer

• Ensure strict compliance with respect to Fair Practices Code, Key Fact Statement (KFS)
• Interest rate and penal charge transparency.
• Monitor customer complaints related to Mis-selling, over-leveraging, Recovery and collection practices.
• Support grievance redressal for credit-related complaints with regulatory implications.
• Ensure customer protection standards are embedded, especially for low-income and vulnerable borrowers.

Innovation & Learning

• Work closely with IT and digital teams to translate RBI and policy requirements into system logic.
• Implement compliance controls in LOS/LMS/BRE
• Validate system changes impacting Credit eligibility, Sanction and disbursement controls, post-disbursement monitoring.
• support automation of Compliance checks, Audit and RBS MIS, Quick mortality tracking dashboards
• Promote data-driven identification of early stress and compliance gaps.

1. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduates /MBA/ Post-graduation or Equivalent preferably in finance / Business management.

Experience

• 5-10 years of experience in Credit underwriting, compliance and regulatory reporting

Certifications

• NA

Functional Skills

• Analytical abilities, credit risk management, communication skills, ability interpret regulatory circulars.

Behavioral Skills

• Strong people skills, Problem solving abilities, team handling and coordination with cross functional teams

1. KEY INTERACTIONS

INTERNAL

EXTERNAL

• Business & product team
• Compliance and risk
• Operations & information technology
• Collections & Analytics /MIS teams
• Finance and accounts
• Vigilance, Audit

• Statutory and regulatory auditors
• Credit information companies
• Fintech partners
• Technology vendors

PREPARED BY: Sudheer A

DATE: September 24, 2025

REVIEWED BY: Rajaram Bhat

DATE: December 19, 2025

LAST UPDATED BY: TM Team

DATE: January 01, 2026

This is Internal document.