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 explicit 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.

Skills

Refer to the Job Description

About HDFC Bank

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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