Credit Manager

ICICI Bank; Punjab; On-site; INR 900,000 - 1,500,000; Full time

Job summary

ICICI Bank in India is seeking a Credit Manager to evaluate and underwrite loans across retail, agri, business banking and SME segments. You will work with relationship teams to capture customer needs and ensure credit decisions align with the bank's standards.

The role requires CA/MBA with at least 1 year of relevant experience, strong financial understanding, regulatory awareness, and risk mitigation skills, as you manage a diverse portfolio and drive compliant credit practices.

Qualifications

• CA or MBA with minimum 1 year experience in credit evaluation or underwriting.
• Strong relationship management to coordinate with client-facing teams.
• Solid understanding of balance sheets, cash flow, P&L, and credit metrics.
• Ability to gauge regulatory and policy impacts on the portfolio.
• Conceptual understanding of risk management and mitigation strategies.
• Excellent spoken and written communication skills.

Responsibilities

• Drive the 360-degree customer credit assessment.
• Ensure best-in-class service delivery across engagements.
• Ensure credit underwriting stays within guardrails and monitor loan utilisation.
• Manage portfolio quality and governance across assigned loans.
• Collaborate with teams across businesses, legal, valuation, and risk management.
• Regularly track market factors and regulatory changes impacting credit decisions.

Skills

Relationship Management

Credit Evaluation

Financial Analysis

Regulatory Awareness

Risk Mitigation

Communication Skills

Education

Chartered Accountant (CA) or MBA

1+ year experience in credit/related role

Job description

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 customer's 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’s 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) 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: Good oral and written communication skills.

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.