Senior Credit Manager-Business Banking

Actively Reviewing the Applications

IDFC FIRST Bank

India, Maharashtra, Mumbai Full-Time On-site

Posted 4 days ago • Apply by June 9, 2026

Job Description

Job Requirements

Job Title – Senior Credit Manager-Business Banking

Place of work - Mumbai

Business Unit - Retail Banking

Function – Business Banking- Retail Underwriting

Job Purpose

To assess, evaluate review and approve credit proposals as a first/Second level officer for the business banking relationship which is referred to retail credit involving various products like term loans, trade finance, CC, OD etc. To Maintain the service level deliverables agreed with counter parts. Effective portfolio management including regular monitoring, early warning identifications, deferral tracking, renewals and working on appropriate account strategy in conjunction with business team in line with the banks’ risk appetite.

Roles & Responsibilities

Credit appraisal of loan application within defined guidelines and accordingly take decision, recommend for approval to higher authorities.
To convey a clear opinion/ Highlight Critical risks along with suitable mitigates if any, regarding the acceptability of the proposed transactions/ facilities covering business model, industry risk, structure, Bank Conduct and Financials risk.
Awareness of the product proposed, suitability to client requirement
Conduct personal discussion with customers
Portfolio Monitoring:
Timely Renewal
Deferral Management
EWS Management
Customer visits on key customers and high value relationship
TAT - Maintaining the defined credit and end to end TATs to timely service internal as well as external customers.

Managerial & Leadership Responsibilities

To Keep team motivated and aligned to the organizational strategy
Champion IDFC First's customer first culture
Attract and retain best-in-class talent for key roles in their reporting structure.

Educational Qualifications

Graduate – Any

Post Graduate - MBA Finance

Preferable - CA/CS/CFA

Experience

Minimum of 5 + years of experience in Credit Underwriting.