Job Description
Job Requirements
About the Role
The Credit Manager is responsible for managing a team and coordinating with the sales team to achieve the assigned area targets. This role involves direct interaction with customers to assess their creditworthiness, ensuring completion of verifications, and adhering to the company's credit policy. The Credit Manager must balance sales support with risk aversion, contributing to the broader organizational objectives of the bank.
Key Responsibilities
Primary Responsibilities
Underwrite secured and unsecured loan proposals in accordance with established policies and procedures to meet agreed SLAs and manage business volumes.
Supervise a team of credit underwriters and provide necessary guidelines.
Conduct personal discussions with customers to assess creditworthiness.
Control and reduce front-end delinquencies by contacting customers upon first presentation.
Ensure completion of credit and KYC documentation, including telephonic, field, and collateral verifications.
Coordinate with the sales team to achieve targets and ensure SLA compliance.
Ensure adherence to credit policies and standards.
Secondary Responsibilities
Support the sales team with credit-related queries and documentation.
Assist in training and mentoring junior credit staff.
Participate in audits and ensure compliance with internal and external regulations.
What We Are Looking For
Education
Graduate in any discipline.
Experience
4-5 years of relevant years of experience in credit underwriting.
Skills and Attributes
Strong understanding of credit policies and procedures.
Excellent communication and interpersonal skills.
Ability to manage and guide a team effectively.
Attention to detail and strong analytical skills.
Customer-centric approach with a focus on risk management
About the Role
The Credit Manager is responsible for managing a team and coordinating with the sales team to achieve the assigned area targets. This role involves direct interaction with customers to assess their creditworthiness, ensuring completion of verifications, and adhering to the company's credit policy. The Credit Manager must balance sales support with risk aversion, contributing to the broader organizational objectives of the bank.
Key Responsibilities
Primary Responsibilities
Underwrite secured and unsecured loan proposals in accordance with established policies and procedures to meet agreed SLAs and manage business volumes.
Supervise a team of credit underwriters and provide necessary guidelines.
Conduct personal discussions with customers to assess creditworthiness.
Control and reduce front-end delinquencies by contacting customers upon first presentation.
Ensure completion of credit and KYC documentation, including telephonic, field, and collateral verifications.
Coordinate with the sales team to achieve targets and ensure SLA compliance.
Ensure adherence to credit policies and standards.
Secondary Responsibilities
Support the sales team with credit-related queries and documentation.
Assist in training and mentoring junior credit staff.
Participate in audits and ensure compliance with internal and external regulations.
What We Are Looking For
Education
Graduate in any discipline.
Experience
4-5 years of relevant years of experience in credit underwriting.
Skills and Attributes
Strong understanding of credit policies and procedures.
Excellent communication and interpersonal skills.
Ability to manage and guide a team effectively.
Attention to detail and strong analytical skills.
Customer-centric approach with a focus on risk management
💡 Quick Summary
Seeking a career-building opportunity? The Credit Manager-SME & Business Banking position is now open for candidates interested in the Finance sector. This role in New Delhi offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Finance is a plus.