Credit Manager-Commercial Banking

IDFC FIRST Bank; Ahmedabad District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

IDFC FIRST Bank is seeking a Credit Manager for Wholesale Banking to manage a sizable corporate portfolio with a focus on risk health and NPA minimization. The role emphasizes expanding product offerings, effective account relationship management, and ensuring portfolio quality through independent risk assessments.

The candidate should have a minimum of 5 years in credit risk management within wholesale banking, strong analytical skills, and robust stakeholder management.

Qualifications

• Minimum 5 years of relevant experience in credit risk management, preferably in wholesale or corporate banking.
• Graduation and Post-Graduation in relevant streams are required or preferred.
• Strong analytical and decision‑making skills with sound understanding of credit risk assessment and regulatory frameworks.

Responsibilities

• Develop, maintain, and continuously improve credit risk management strategies, frameworks, and risk tolerance levels for the corporate lending business.
• Conduct thorough and independent credit risk assessments of all proposals, focusing on asset quality, pricing, collateral, financials, management quality, and industry outlook.
• Provide recommendations on credit ratings and risk-return ratios to the appropriate approval committees.
• Engage extensively with business teams to ensure alignment with the bank’s risk appetite and identify early warning signs of stress.
• Continuously review client rating models, financial performance, and external ratings to ensure portfolio quality and regulatory compliance.
• Lead portfolio reviews and assess early warning signal effectiveness to minimize risk.
• Ensure timely generation, dissemination, and follow-up of portfolio risk reports and dashboards in line with defined procedures and quality standards.
• Oversee the implementation of enterprise risk management policies and ensure compliance with all regulatory and internal requirements.
• Periodically review bank products and processes, providing risk mitigation controls and training to business teams.
• Provide inputs to policy and product teams based on industry changes and trends.
• Support the formulation and revision of credit policies.
• Collaborate with internal stakeholders to enhance risk governance and operational efficiency.

Skills

Credit risk assessment

Financial analysis

Stakeholder management

Portfolio risk management

Leadership

Regulatory knowledge

Education

Any Graduate

Any Post Graduate

Job description

Job Requirements

About the Role

Credit Manager – Wholesale Banking

will manage a sizable portfolio of corporate clients, ensuring portfolio health, and minimizing stress accounts or NPAs. The role holder will be responsible for enhancing the breadth and depth of product offerings to maintain a competitive edge in target markets. A key focus will be on effective account relationship management to optimize customer satisfaction, retention, and wallet share by offering comprehensive banking solutions.

Key Responsibilities

Primary Responsibilities

• Develop, maintain, and continuously improve credit risk management strategies, frameworks, and risk tolerance levels for the corporate lending business.
• Conduct thorough and independent credit risk assessments of all proposals, focusing on asset quality, pricing, collateral, financials, management quality, and industry outlook.
• Provide recommendations on credit ratings and risk-return ratios to the appropriate approval committees.
• Engage extensively with business teams to ensure alignment with the bank’s risk appetite and identify early warning signs of stress.
• Continuously review client rating models, financial performance, and external ratings to ensure portfolio quality and regulatory compliance.
• Lead portfolio reviews and assess early warning signal effectiveness to minimize risk.
• Ensure timely generation, dissemination, and follow-up of portfolio risk reports and dashboards in line with defined procedures and quality standards.
• Oversee the implementation of enterprise risk management policies and ensure compliance with all regulatory and internal requirements.
• Periodically review bank products and processes, providing risk mitigation controls and training to business teams.

Secondary Responsibilities

• Provide inputs to policy and product teams based on industry changes and trends.
• Support the formulation and revision of credit policies.
• Collaborate with internal stakeholders to enhance risk governance and operational efficiency.

What We Are Looking For

Education

• Graduation: Any Graduate
• Post-Graduation: Any Post Graduate

Experience

• Minimum 5 years of relevant experience in credit risk management, preferably in wholesale or corporate banking.

Skills and Attributes

• Strong analytical and decision‑making skills.
• In‑depth understanding of credit risk assessment, financial analysis, and regulatory frameworks.
• Excellent communication and stakeholder management abilities.
• Proven leadership and team mentoring capabilities.
• Ability to drive innovation and continuous improvement in risk processes.
• High level of integrity, compliance orientation, and customer‑centric mindset.