Team Member – Credit Monitoring

Job ID XXX

Department Commercial Banking

Number of Positions 1

Location Infinity It Park, Mumbai

Reporting Relationships Associate Vice President

Position Grade Deputy Manager

The Commercial Banking business caters to customers of Bharat, and plays a pivotal role in meeting substantial portion of the priority sector lending obligations of Bank. It offers a range of products for agriculture (Agri) and Tractor Finance, purchase and operations of commercial vehicles and construction equipment, rural housing finance and gold loans. Further, Agri Business Group (ABG), a division within the business, caters specifically to the needs of customers in Agriculture related activities like cultivation, manufacturing, processing and trading segment catering to financials needs of individuals and small & medium enterprises in this segment. Economic setting of urban, semi-urban and rural areas and weather conditions of India influences the business’ operations and performance.’

Job Role




- Monitor ECLGS portfolio for compliance with RBI/NCGTC and internal Bank guidelines.
- Track account performance, delinquency trends, SMA status, and early warning signals.
- Validate and reconcile ECLGS data submitted by business units and operations teams.
- Prepare and publish periodic MIS, dashboards, and portfolio status reports.
- Coordinate with Business, Operations, Credit, Collection, and Compliance teams for issue resolution.
- Support guarantee claim lodgment, claim tracking, and related reconciliation activities.
- Handle data requirements for audits, inspections, and regulatory reviews.
- Conduct portfolio analytics and identify risk trends for management reporting.
- Ensure timely closure of monitoring exceptions and action items.
- Assist in process improvement and automation initiatives within ECLGS monitoring activities.
- Any other activity related to monitoring function

Job Requirements
- 2-3 years’ experience in Credit or Credit Moni

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