Job Title

Credit Manager - WCG-ECG

Business Unit

Wholesale Credit Risk

Reporting To

Vertical Head / Unit Head

Job Function and Role Type

Credit, Individual Contributor, Travel Required

Version No

2.0

Job Purpose

Assess, evaluate, review, and approve credit proposals for wholesale banking relationships involving various products. Own assigned portfolio, monitor accounts, and ensure regulatory compliance in credit dispensation and monitoring.

Key Responsibilities

Appraisal of Proposal

Review credit proposals and assess credit and risk comprehensively.

Convey transparent opinions on transaction acceptability covering business model, industry risk, and regulations.

Ensure completeness and accuracy of CAMs and adherence to credit policy.

Portfolio Monitoring

Monitor accounts and track industry developments to identify stress early.





Devise and implement risk reduction strategies for stressed accounts.

Conduct periodic reviews with business teams and address early warning signals.

Partner with teams to review end-use monitoring and address regulatory/audit issues.

TAT

Maintain defined credit and end-to-end TATs to ensure timely service delivery.

Education:

MBA, CA, FRM, CFA.

Certifications:

None explicitly mentioned.

Key Competencies

Technical and analytical skills, communication and negotiation skills, financial statement analysis, banking product knowledge, regulatory knowledge.

Major Stakeholders

Customers, Relationship Team, CAD, Policy Team, Audit, Legal, Compliance, Operations, Trade Finance.

Required Skills
Refer to the Job Description

📌 Credit Manager-WCG-ECG (Pune)
🏢 HDFC Bank
📍 Pune