Role Purpose The National Credit Manager will be responsible for managing the credit underwriting, assessment, approval, monitoring, and portfolio quality of the Bank's lending exposure to Non-Banking Financial Companies (NBFCs), Housing Finance Companies (HFCs), Microfinance Institutions (MFIs), and other financial intermediaries. The role involves balancing business growth with prudent risk management while ensuring compliance with regulatory and internal credit policies.

Key Responsibilities

Credit Underwriting & Assessment

- Evaluate credit proposals for NBFCs, HFCs, MFIs, and fintech lending entities.
- Assess business models, portfolio quality, asset-liability management (ALM), liquidity position, capitalization, and governance standards.
- Conduct detailed financial analysis including profitability, leverage, capital adequacy, NPA trends, and cash flow assessment.
- Review sanction terms, covenants, security structures, and exposure limits.

Portfolio Risk Management

- Monitor the existing NBFC funding portfolio and identify early warning signals.
- Recommend corrective actions to minimize credit losses and maintain portfolio health.
- Ensure periodic credit reviews, renewals, and rating assessments are completed within timelines.
- Track concentration risks across sectors, geographies, and borrower groups.

Credit Approval & Policy Compliance





- Approve proposals within delegated authority levels.
- Present large-ticket exposures to Credit Committees and Management Committees.
- Ensure compliance with RBI guidelines, internal credit policies, and risk governance frameworks.
- Participate in policy formulation and enhancement for financial institution lending.

Stakeholder Management

- Partner with Wholesale Banking, Financial Institutions Group (FIG), Risk, Legal, and Compliance teams.
- Engage with senior management of NBFCs during due diligence and portfolio reviews.
- Coordinate with external agencies, auditors, and rating agencies when required.

Monitoring & Governance

- Conduct annual reviews and portfolio stress testing.
- Monitor covenant compliance and security coverage.
- Support audit, regulatory inspections, and internal control reviews.
- Prepare portfolio reports for senior management and Board committees.

Desired Candidate Profile

Education

- Chartered Accountant.

Experience

- 15+ years of experience in Credit Risk, Wholesale Banking, Corporate Banking, or Financial Institutions lending.
- Minimum 5 years of experience evaluating NBFC/HFC/MFI funding proposals.
- Experience handling large-ticket structured lending and term loan facilities.

Interested please send your profile to [email protected]

📌 National Credit Manager – Institutional Funding (Chennai)
🏢 equitas small finance bank
📍 Chennai