Credit Manager-SME & Business Banking

Role/ Job Title: Credit Manager- SME & Business Banking

Function/ Department: Credit

Job Purpose:

The role bearer has the responsibility to manage a team as well as coordinate with sales team to achieve target of the area assigned. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.

Roles & Responsibilities:

• Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumes.


• Supervise a team of credit underwriters and provide guidelines.


• Conduct personal discussion with customers to establish credit worthiness.


• Control and contain front-end delinquencies by calling up customer on first presentation.


• Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits.


• Coordinate with sales to achieve targets and ensure SLAs are met.


• Ensuring credit policy adherence to the accepted standards.

Education Qualification:

Graduation: Finance

Post-graduation: MBA

Professional Qualification/Certification: Chartered Accountant ( CA)

Experience: 5-10 years of experience in Credit.