Category

Credit & Process Management

Job level

Managerial

Educational Detail

CAs, CMAs and MBAs

Experience

1-5 Years

Location

Across India

Essential Services : Role & Location fungibility

At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team. To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service. The role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature.

About the role

As a Credit Manager, you will be responsible for credit evaluation and credit underwriting of various loan products for customers across retail, agri, business banking, and small and medium enterprises. In the process of credit evaluation, you and your team will get an opportunity to capture the diverse 360-degree banking needs of the customers and recommend suitable products and services in line with customer needs. The credit team is responsible for credit evaluation of loan products such as personal, mortgage, vehicle, credit card, working capital, enterprise credit, and business loans. ICICI Bank follows the principle of “Fair to Customer and Fair to Bank.” In this process, you will work closely with the relationship teams responsible for customer engagements. ICICI Bank follows a single-point credit evaluation covering all credit requirements of the customers to offer superior service. Capturing the 360-degree needs of the customer and driving service standards in all engagements is a crucial responsibility. The Credit and Process Management Group offers a unique experience to Credit Managers for evaluating and underwriting across the spectrum of loan products and managing a portfolio.

Key Responsibilities

360° Customer Credit Assessment

Drive the 360-degree assessment of the customers holistically and to capture the customers banking needs over and beyond credit requirements.

Service Delivery

Ensure best-in-class customer experience in all the engagements

Process Compliance

Ensure that the credit underwriting process is within established guardrails. Continuous monitoring of loan utilisation, repayment capacity, loan covenants, and compliance. Process credit appraisal notes within the defined financial limit in line with the Bank framework.

Portfolio Management

Management of the assigned portfolio through improved disbursement with a key focus on quality and governance framework.

Collaboration

Work closely with teams across businesses, legal, technical valuation, field investigation, risk management, and other internal teams.

Ground Sensing

Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio.

Qualifications & Skills





Educational Qualification

Chartered Accountants(CAs), Cost and Management Accountants (CMA) and MBAs from top colleges with minimum 1 year experience.

Relationship Management

Orientation and willingness for the role of Relationship Management.

Financial Understanding

An understanding of the balance sheet, cash-flow statements profit & loss accounts and other financial parameters of the clients will be an added advantage.

Regulation Awareness

The ability to gauge the impact of policies, rules, and regulations on the portfolio.

Risk Mitigation

Conceptual understanding of risk management and risk mitigation strategies.

Communiation Skills

Positive oral and written communication skills.

Few Success Factors

Analytical Mindset

Openness to collaborate

Vigil on norms & regulations

Customer-centric approach

Orientation to business understanding

Relationship & Sales orientation

.

About the Business Group

Credit & Process Management Group (CPMG) is responsible for credit evaluation and underwriting of customers being served by the Retail Banking business of the Bank. CPMG continuously looks for opportunities to simplify processes related to various loan products in order to serve customers seamlessly. Retail Banking Group of ICICI Bank serves customer segments consisting of individuals, self-employed professionals, SMEs, proprietors, government, and retail institutions. With close to 7,000 business centres across the country, our relationship team is dedicated to serving customer needs with a 360-degree approach. ICICI Bank has a unique bouquet of digital solutions covering the diverse banking needs of customers.

The core principles of Return of Capital, Fair to Customer, Fair to Bank, One Bank, One Team and Compliance with Conscience, continue to guide our dealings with all stakeholders while pursuing our business objectives.

Frequently Asked Questions

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- Is understanding of Banking required to apply for this role?

Understanding of the banking products like working capital loans, knowledge on business P&L;, Balance sheet and relevant regulations and framework would be an added advantage for Business credit responsibilities. Prior experience in lending to business clients with the knowledge on financial analysis from non-Banking industry would also be considered.

- What are the areas of credit assessment will I be working on?

ICICI Bank follows a 360 degree approach, at the stage of evaluation, we do a composite evaluation of all the needs of the customer ranging from personal to corporate banking needs. Accordingly,



role of Credit Manager is structured.

- Does this role involve sales?

Every role at ICICI Bank requires a focus on serving our customers. The credit team works closely with the relationship teams to fulfil the credit requirements of customers. It also engages in 360-degree banking. The Bank also follows the "One Bank, One Team" philosophy. All the different teams and role holders come together to serve the customers within the guardrail of risk and compliance.

- Can a fresher apply for the Credit Manager role?

Chartered Accountants(CAs) with 1 to 5 Years, MBA in Finance with 1 to 5 years of experience can apply.

- What are a few key principles adopted by the Bank?

As we work towards our goal of becoming the bank of choice, we continuously work considerable refine our product and service offerings in line with our guiding philosophy. Few focus areas are as follows:

- Focus on 360° Banking in line with customer needs
- Designing solutions that are Fair to Customer, Fair to Bank
- Work within the guardrails of risk and compliance
- Best-in-class use of technology and digital solutions
- Focus on customer service

- What are some examples of credit products that ICICI Bank offers?

Our offerings include Home Loans, Car Loans, Gold Loans, Consumer Finance, Loans Against Securities, Working Capital, Overdraft and Business Banking loans. Many of these offerings are also available to customers through our digital platforms.

- What is the selection process?

Post receiving your application, we shall duly evaluate your profile against the job requirements. If shortlisted, we shall invite you for a personal interview to better understand your profile. Please update your profile at ICICI Careers for us to stay updated with your latest information.

- What is the next step after applying?

While we duly evaluate your profile against the job requirements, we encourage you to keep your profile at ICICI Careers updated with the latest resume, photograph and complete the declaration.

- What will be my career progression at ICICI Bank?

Over a period of time, our employees get an opportunity to experience learning, growth & internal mobility by undertaking various roles across different businesses. This is a key proposition for our employees at the Bank. We consistently invest in training our employees and enhancing their ability to excel in their domain of work through functional training, leadership development, digital and industry-academia programmes thereby equipping them with the required skillsets.

- What is the difference between a Credit Manager and Credit Risk Analyst?

As a Credit Manager, you will be responsible for credit evaluation and credit underwriting of various loan products for customers across retail, agri, business banking, and small and medium enterprises. The responsibility of a Credit Risk Analyst encompasses defining the risk framework, policies and underwriting processes.

📌 Credit Manager (India)
🏢 ICICI Bank
📍 India