Credit Manager-Personal Loan

IDFC FIRST Bank; Mumbai; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

IDFC FIRST Bank is seeking a Credit Manager – TW to oversee a credit underwriting team in India. You will coordinate with sales to meet area targets while ensuring risk controls and policy adherence. The role involves direct customer contact to assess creditworthiness and rigorous verification processes.

You will supervise underwriters, ensure SLA compliance, and drive responsible lending in a fast-paced Retail Banking unit. This position focuses on balanced risk management with sales support.

Qualifications

• Underwrite secured and unsecured loan proposals per policies.
• Lead and guide a team of credit underwriters.
• Interact with customers to assess credit worthiness.
• Ensure KYC/document verification and SLA adherence.

Responsibilities

• Underwrite secured and unsecured proposals for loan customers as per policies & procedures.
• Supervise a team of credit underwriters and provide guidelines.
• Conduct personal discussions with customers to establish credit worthiness.
• Control and contain front-end delinquencies by calling customers at first presentation.
• Ensure completion of credit/KYC documents and verification (telephonic, field, collateral visits).
• Coordinate with sales to achieve targets and ensure SLAs are met.
• Ensure adherence to credit policy standards.

Skills

Credit underwriting

Team management

Customer discussions

Education

Graduate – Any (Full Time)

Post Graduate – Any(Full Time)

Job description

Job Requirements

Job Title –

Credit Manager – TW

Place of work

India

Business Unit

Retail Banking

Function

Credit

Job Purpose

The role bearer has the responsibility to manage a team as well as coordinate with sales team to achieve target of the area assigned. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.

Roles & Responsibilities

• Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumes
• Supervise a team of credit underwriters and provide guidelines
• Conduct personal discussion with customers to establish credit worthiness
• Control and contain front-end delinquencies by calling up customer on first presentation
• Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits
• Coordinate with sales to achieve targets and ensure SLAs are met
• Ensuring credit policy adherence to the accepted standards

Managerial & Leadership Responsibilities

Educational Qualifications

Graduate – Any (Full Time)

Post Graduate – Any(Full Time)

Experience

1 - 4 years of experience in credit.