Job Description
Please find the roles and responsibilities for State Credit Manager.
Be the key personal to Credit Head and work with him / her in planning and
executing the Credit strategy in Rural Banking vertical specifically in
Housing Loan & LAP, Micro Enterprise Loan, Personal Loan, Commercial
Vehicle, Tractor Loan, etc.,
Locations And the Current Area of Operations of IFBL is with 11 States
Tamil Nadu, Maharashtra, Kerala, Karnataka, Andra Pradesh, Telungana,
Bihar, Jharkhand Uttar Pradesh, Odisha, Pondicherry (UT) etc.,
Product Expansion This product line will be expanded as the organization grows; the
incumbent is expected to work closely with the Credit Head and other key
stakeholders to drive Credit Policy.
Oversee Credit lifecycle Analyzing the current business statistics &supports Credit Head in
developing and executing Credit Policy
▪ Divisional, Regional & State level analysis of customer and business
segmentation and assessment of their needs
▪ Drive adoption and penetration of existing products through
deepening of existing markets
▪ Ensure training and understanding of the product by Credit Policy
across the country
▪ Be the Single point of contact for any MIS &queries / help that branch
staff may have regarding products
▪ Work on fulfilling and resolving queries relating to systems, policies
and processes.
▪ Do a deep analysis of the Credit trend and functioning of the product
and give input periodically to the Credit Head and Regional Credit
Heads to improve various performance metric of the product
Vendor Management ▪ Need to Empanel Legal & technical vendors for applicable products and
need to build a strong relationship
▪ Payment to vendors need to be done on time and the same to be
monitored, corrective actions to be taken if delay or anything
▪ Need to facilitate for quarterly vendor audit on valuation of property.
Credit Management Overseeing and guiding team on developing on -going market insight,
identify sector trends and work with Credit team and stakeholders in
developing competitive product proposition
Competitors Need to have competitors visits and industry practice to observed or key
changes to be highlighted to the Credit head for necessary action
Be the key personal to Credit Head and work with him / her in planning and
executing the Credit strategy in Rural Banking vertical specifically in
Housing Loan & LAP, Micro Enterprise Loan, Personal Loan, Commercial
Vehicle, Tractor Loan, etc.,
Locations And the Current Area of Operations of IFBL is with 11 States
Tamil Nadu, Maharashtra, Kerala, Karnataka, Andra Pradesh, Telungana,
Bihar, Jharkhand Uttar Pradesh, Odisha, Pondicherry (UT) etc.,
Product Expansion This product line will be expanded as the organization grows; the
incumbent is expected to work closely with the Credit Head and other key
stakeholders to drive Credit Policy.
Oversee Credit lifecycle Analyzing the current business statistics &supports Credit Head in
developing and executing Credit Policy
▪ Divisional, Regional & State level analysis of customer and business
segmentation and assessment of their needs
▪ Drive adoption and penetration of existing products through
deepening of existing markets
▪ Ensure training and understanding of the product by Credit Policy
across the country
▪ Be the Single point of contact for any MIS &queries / help that branch
staff may have regarding products
▪ Work on fulfilling and resolving queries relating to systems, policies
and processes.
▪ Do a deep analysis of the Credit trend and functioning of the product
and give input periodically to the Credit Head and Regional Credit
Heads to improve various performance metric of the product
Vendor Management ▪ Need to Empanel Legal & technical vendors for applicable products and
need to build a strong relationship
▪ Payment to vendors need to be done on time and the same to be
monitored, corrective actions to be taken if delay or anything
▪ Need to facilitate for quarterly vendor audit on valuation of property.
Credit Management Overseeing and guiding team on developing on -going market insight,
identify sector trends and work with Credit team and stakeholders in
developing competitive product proposition
Competitors Need to have competitors visits and industry practice to observed or key
changes to be highlighted to the Credit head for necessary action
💡 Quick Summary
Seeking a career-building opportunity? The State Credit Manager position is now open for candidates interested in the Bank Jobs sector. This role in Kerala 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 Bank Jobs is a plus.