Job Title

IRM-Credit Monitoring & EWS Manager-SME

Business Unit

Integrated Risk Management

Reporting To

Head - Credit Monitoring & Early Warnings

Job Function and Role Type

Wholesale & Retail Credit Monitoring & EWS, Individual Contributor

Version No

1.0

Job Purpose

Implement and enhance the Early Warning System (EWS) framework across various products. Ensure workflow efficiency, compliance, and data quality in credit monitoring processes.

Key Responsibilities

Credit Monitoring Process

Identify and enhance credit processes and systems for improved monitoring and risk control; Assess adherence to credit processes and highlight deviations to management; Analyze root causes of credit delinquencies and recommend process improvements.

Early Warning System

Enhance early warning tools to detect potential credit risks and frauds; Create workflows for warning signals, ensuring timely closure of actionables; Highlight deviations in achieving early warning actionables to management.

Portfolio Risk Review

Conduct periodic or event-based portfolio reviews to identify risks and trends; Perform stress tests on portfolios with Credit and Policy teams to suggest corrective actions.

Periodic reports on portfolio

Publish management reports on portfolio quality, delinquency, and trends; Prepare monthly and quarterly reviews on wholesale portfolio performance and regulatory updates.

Digitization





Collaborate with IT and vendors to adopt technology for credit monitoring and reporting; Enhance automation to reduce manual effort and improve efficiency.

Education:

Chartered Accountant or MBA from a reputed institute.

Certifications:

None specified.

Key Competencies

Credit products and process knowledge, communication, systems and IT knowledge, analytical ability, regulatory framework.

Major Stakeholders

Wholesale Credit, Operations, Business Teams, Audit, Compliance, IT, Analytics Team, Fincon.

Skills

Refer to the Job Description

About HDFC Bank

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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📌 IRM-Credit Monitoring & EWS Mgr-SME (Navi Mumbai)
🏢 HDFC Bank
📍 Navi Mumbai