Category

Credit Monitoring Group

Job level

Mid-Level Managerial

Industry

Any

Experience

1 to 5 Years

Location

Mumbai, Hyderabad, Kolkata and Delhi

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. While the role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature.

About the role

The Credit Monitoring Analyst is responsible for the comprehensive credit monitoring of the portfolio across diverse business segments. This role entails financial analysis, borrower conduct analysis, and the assessment of market indicators and external events. The ideal candidate will demonstrate robust analytical capabilities and proficiency in identifying early signs of stress within the portfolio, and highlighting the same to the business, credit, and risk teams.

Key Responsibilities

Portfolio Management

Monitor the Wholesale Banking and Business Banking portfolios.



Address internal and RBI audit-related queries pertaining to the credit monitoring process.

Ground Sensing

Identify potential credit deterioration or weakening by analysing various internal alerts, including transactional, behavioural, financial, and external alerts such as market-related news and highlighting the same to the business, credit, and risk teams.

Financial Understanding

Possess a fundamental understanding of financial documents such as annual reports, CMA, stock, and book debts statements to conduct meaningful assessments of borrower businesses

Collaboration

Collaborate closely with the credit, risk, and IT teams to enhance the utilization of technology in credit monitoring, controls, and reporting

Service Delivery

Convene periodic health council meetings for identified borrowers, ensuring the complete closure of the loop in terms of actionable items, timelines, and feedback

Analysis and Reporting

Publish regular reports to senior management on portfolio quality, delinquency, behaviour, and other relevant metrics

Qualifications & Skills

Educational Qualification

CA or MBA with 1 to 5 years of relevant experience of credit products and processes

Hands-on Credit Knowledge

Analytical aptitude and familiarity with banking regulations and credit risk management practices

Communication Skills

Positive communication and presentation skills

📌 Credit Monitoring Analyst (Mumbai)
🏢 ICICI Bank
📍 Mumbai