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.

Required Skills

Refer to the Job Description

📌 Credit Manager-WC-SME-ST (Bengaluru)
🏢 HDFC Bank
📍 Bengaluru