Job Description:

RC - Credit Officer - CVCE � Retail Credit
INTERNAL USAGE:
No. of Vacancies: Reports to: Regional Credit Manager
Is a Team leader? N Team Size: NA
Grade:
Business: Corporate Center Department:� Retail Credit Sub-Department: CVCE Credit
Location:
About Retail Credit
The Retail Credit department in the Bank is a Credit Underwriting department for all the Retail clientele of the Bank. It is also responsible for ensuring the maintenance of a good portfolio quality and for ensuring smooth credit appraisal processes
About the Role
The CPC Credit Officer � CV/CE manages the credit activities and processes for Commercial Vehicle and Construction Equipment products under Retail Credit. The Credit Manager is responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank for Credit Processing Centre
Key Responsibilities

� Underwriting/review of Credit Proposals including Review/Renewals of the proposals by ensuring� adherence to the standard process, Turn Around Time and decision consistency

� Ensure the quality of proposals and credit appraisal to minimize delinquency and build portfolio of expected quality.

� Maintaining accurate and up to date MIS reports, Inspection & monitoring of portfolios under various sub-segments to ensure maintenance of a healthy portfolio

� Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions





� Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives

� Ensure timely completion of key deliverables, audit queries and adherence to the corporate retail policy/ scheme
Qualifications

Optimal qualification for success on the job is:

� Graduation/ Post- Graduation (MBA/ CA preferred) from a recognized institute

� Experience of atleast 2 years in assessing credit of Commercial Vehicle and Construction Equipment Product
Role Proficiencies:

For successful execution of the job, the candidate should possess:

� Knowledge of credit, relevant industry and product trends

� Knowledge of regulatory guidelines and norms

� Valuable communication (both verbal and written) skill in both English and the local language

� Ability to handle pressure and meet deadlines

Skills:

Refer to the Job Description

About Company:

Axis Bank is the third largest private bank in India, serving ~59 million customers with a workforce of over 104,400 employees as on March 31, 2025. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. As on March 31, 2025, The Bank has a large footprint of 5,876 domestic branches, 13,941 ATMs and cash recyclers, with close to 47% branches in rural and semi-urban region. The Bank's overseas operations encompass eight international offices, including branches in Singapore, Dubai (at DIFC), and Gift City-IBU. There are also representative offices in Dhaka, Dubai, Abu Dhabi, and Sharjah. The international offices focus on Corporate Lending, Coverage Business, Trade Finance, Syndication, Investment Banking, Liability Businesses, and Private Banking/Wealth Management offerings.

📌 RC - Credit Officer - CV/CE - Retail Credit (Noida)
🏢 Axis Bank
📍 Noida