Credit Manager

Role Overview

This position is focused on evaluating retail lending proposals, supporting credit decisions, and helping maintain portfolio quality within the bank’s risk framework. The role also involves process oversight, coordination with internal teams, and regular customer interaction when required.

Key Responsibilities

• Assess, recommend, and approve credit applications in line with the assigned delegation of authority.
• Examine overdue or problematic accounts and capture learnings for portfolio-level risk review.
• Carry out process audits and highlight delays, exceptions, and other irregularities.
• Suggest policy or process refinements based on market conditions, local practices, and competitor insights.
• Support and implement system integration initiatives.
• Track non-performing assets and monitor trends closely.
• Arrange field visits for personal discussion and delivery checks within the agreed turnaround time.
• Lead credit processing associates and ensure they are trained on policy and process for effective team operations.
• Help sustain a healthy portfolio for the bank.
• Visit customers whenever needed to support proper closure of the transaction.

Team, Training, and Control

• Manage the CPA team effectively.
• Share knowledge and provide regular training support.
• Identify gaps in process and policy that could create risk.
• Recommend internal control improvements and ensure they are implemented.

Internal and External Coordination

You will work with business, policy, process, technology, and HCM teams to clarify documentation needs, understand customer profiles, resolve process issues, support system updates, and assist manpower planning. Externally, you will interact with customers to assess their profile, income, obligations, and related details needed for decision-making.

Qualifications and Experience

The role requires a bachelor’s degree in commerce. Preferred professional qualifications include Chartered Accountant or MBA Finance. Strong written and spoken English is essential. Candidates should have 3 to 5 years of relevant experience in retail banking, specifically in credit appraisal for retail loans.

Notes

• Strategic or managerial responsibilities are listed as not applicable.