Credit Manager-SME & Business Banking

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/PG in any discipline.
  
  

Experience

• 2-5 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