Company Description HDFC Bank is India’s largest private sector bank, serving over 92 million customers with a wide range of financial products and services. With thousands of branches and ATMs across urban and rural locations, the bank offers accessible banking solutions to individuals, MSMEs, and large corporates. Following its merger with HDFC Ltd in 2023, HDFC Bank strengthened its position in housing finance and home loan offerings.

The bank is committed to innovation, secure digital banking, and data confidentiality, while its CSR initiative, Parivartan, drives impact in education, healthcare, skills training, and sustainable livelihoods. HDFC Bank continues to focus on product leadership, customer-centricity, and operational excellence as a world-class Indian bank.

Role Description This is a full-time, in office Credit Manager role based in Panipat.

The Credit

Manager will evaluate credit applications, analyze financial statements, and assess creditworthiness for retail and business customers.

Responsibilities include setting and reviewing credit limits, monitoring portfolio performance, and ensuring adherence to internal credit policies and regulatory guidelines. The role involves collaborating with branch teams, risk, and operations to structure deals, resolve queries,



and support timely decision-making.

The Credit

Manager will also prepare credit reports, recommend approvals or rejections, and contribute to continuous improvement in credit processes and risk controls.

Qualifications
Robust expertise in Credit Management and Credit, including assessment of borrowers and structuring of credit proposals.
Proficiency in Credit Risk Management, with the ability to identify, measure, and mitigate credit-related risks.
Robust Analytical Skills and Finance knowledge to interpret financial statements, cash flows, and market information.
Sound understanding of banking products, regulatory norms, and RBI guidelines related to lending and credit.
Bachelor’s degree in Finance, Commerce, Economics, Business, or a related field; professional certifications (e.g., CA, CFA, MBA in Finance) are an advantage.
Attention to detail, solid judgment, and ability to make timely, data-driven decisions.
Effective communication and stakeholder management skills, with the ability to work in a fast-paced branch environment.
Experience in credit underwriting or credit risk within banking or financial services is preferred.

📌 Credit Manager Panipat
🏢 HDFC Bank
📍 Panipat