Job Title

Credit Manager-WC-SME-ST

Business Unit

Wholesale Credit-SME

Reporting To

Area Credit Manager / Regional Credit Manager / Team Leader

Job Function and Role Type

Credit, Individual Contributor, Light Travel

Version No

1.0

Job Purpose

Ensure adherence to policies, processes, and procedures to maintain portfolio quality and minimize risk. Analyze proposals, monitor vendors, and ensure timely credit decisions without compromising quality.

Key Responsibilities

Portfolio Management

Control early delinquency and mortality.

Maintain minimal NPA percentage.

Ensure CAM renewals are under control.

TAT Management

Ensure credit TAT within benchmarks.

Monitor CPA TAT adherence.

Monitoring of Vendor Performance

Appoint vendors as per business needs.

Ensure quality and timely vendor reports.

Adherence to Credit Policy and Processes

Ensure no deviations from policies or guidelines.

Provide ground-level feedback for improvements.

MIS Analysis

Monitor individual productivity and portfolio quality.

Handle vendor management and process improvements.

Compliance, Audit, and CRU Requirements

Review audit and compliance queries within TAT.

Provide local MIS responses promptly.

Education:

Chartered Accountant or MBA from a reputed institute.

Certifications:

None specified.

Key Competencies





Banking product and process knowledge, communication, industry knowledge, risk assessment, vendor management.

Major Stakeholders

Customers, Branch Banking Team, Operations, Business Teams, Audit/CRU.

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-WC-SME-ST (Cuttack)
🏢 HDFC Bank
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