We are looking for a focused Credit Manager-Education Loan to join our vibrant team at IDFC FIRST Bank in Delhi.
Growing your career as a Full Time Credit Manager-Education Loan is a terrific opportunity to develop relevant skills.
If you are robust in project management, people management and have the right mindset for the job, then apply for the position of Credit Manager-Education Loan at IDFC FIRST Bank today!

Role/Job Title:Credit Manager-Education Loan
Business:Retail Banking
Function/ Department:Retail Underwriting
Place of work: Rajendra Place Delhi
Roles & Responsibilities:
'- Provide recommendations regarding improvements and changes to the credit policies and procedures, documenting and circulating policies, to ensure that all requirements are fulfilled and risks are mitigated while delivering a high quality service to customers
- Liaise with the Product Head in order to contribute to the design of new products and advise on roll out of other products
- Ensure implementation of the policies to ensure high quality of the retail portfolio while meeting the target TAT
- Understand ploicies and implement process to eusre smooth flow of transactions
- Conduct personal discussion of with student & parent. Evaluate student academics, course opted, college, future employability average payscales etc.,.
- Employ tools such as automation and digitization to increase process efficiency
- Conduct detailed analysis of delinquencies and recommend changes to the product teams
- Ensure the successful adoption of internal compliances & regulatory framework across the business
- Coordinate with internal audit and regulatory audit regarding their various requirements and address their concerns on aspects of credit policies and procedures and their implementation




- Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team in order to take corrective action through new sourcing
- Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank's credit policy

Secondary Responsibilities:
'- Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary.
- Champion the adoption of high quality market intelligence and data analytics to meet the bank's growth and profitability objectives
- Keep abreast with new courses, employment trends and competitor strategies in key markets
- Spearhead initiative to reduce operational costs and drive strategies to increase profitability
Managerial & Leadership Responsibilities:
'- Monitor key parameters on productivity, hiring quality and attrition rates and make necessary improvements
Champion IDFC First's customer first culture by driving the team to take up high degree servicing norms to ensure absolute customer delight
- Attract and retain best-in-class talent for key roles in their reporting structure
- Drive co-operation with the credit, technology, analytics and risk teams to ensure smooth functioning of business
- Partner with Policies team to ensure all decisions are taken within the prescribed framework
Key Success Metrics:
Portfolio Quality (Delinquency Rations, Net Credit Losses, Bounce rates) TAT, cost of processing and manpower, credit appraisal, productivity, people management (attrition)

Benefits of working as a Credit Manager-Education Loan in Delhi:

● Excellent benefits
● Company offers career progression opportunities
● Attractive package

📌 Credit Manager-Education Loan - Hiring Fast (Delhi)
🏢 Important Business
📍 Delhi