Credit Risk Manager
4 weeks ago
Job Summary:
The role of a Credit Manager at IDFC FIRST Bank involves coordinating with sales teams to achieve area targets. The successful candidate will be responsible for establishing consumer credit worthiness, completing verifications, and adhering to company credit policies. This role requires a risk-averse approach while being sales supportive and contributing to the bank's larger organizational objectives.
Key Responsibilities:
- Prepare credit proposal notes and credit recommendations.
- Manage and follow up on credit and business commitments to ensure they align with the bank's business needs.
- Determine key credit risks and mitigate factors during proposal evaluation.
- Conduct detailed analysis of the existing business portfolio and recommend changes to contribute to business development.
- Implement policies to ensure high-quality retail portfolios.
- Employ automation and digitization tools to increase process efficiency.
- Ensure successful adoption of internal compliances and regulatory frameworks across the business.
- Coordinate with internal and regulatory audits regarding their requirements and address their concerns on credit policies and procedures.
- Collaborate with collections to drive down net credit loss and delinquency metrics by identifying and communicating trends to the collections team.
- Review and approve credit proposals with discretionary authority, escalating others to those with appropriate approval authority while ensuring compliance with the bank's credit policy.
Requirements:
Graduation: Any
Post-graduation: Any
Experience: 2+ years of relevant experience.
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