Credit Manager-WC-SME-LT

HDFC Bank; Chennai District; On-site; INR 1,800,000 - 2,400,000; Full time

Job summary

HDFC Bank is seeking a Credit Manager for Wholesale Credit - SME to ensure adherence to policies, analyze proposals, and deliver timely credit decisions. You will manage portfolios, control TAT, and oversee vendor performance while ensuring compliance and MIS quality.

The role reports to Area/Regional Credit Manager and is focused on SME working capital products, with an emphasis on risk mitigation and process discipline.

Qualifications

• CA or MBA from a reputed institute required.
• Banking product and process knowledge.
• Strong communication and industry awareness.

Responsibilities

• Portfolio management for working capital products.
• Maintain TAT within benchmarks and CPA TAT.
• Appoint and oversee vendors; ensure report quality.
• Ensure adherence to credit policies and processes.
• Perform MIS analysis to monitor productivity and portfolio quality.
• Support compliance, audits and CRU requirements.

Skills

Risk assessment

Portfolio management

Compliance adherence

Vendor management

Analytical skills

Education

Chartered Accountant or MBA from a reputed institute

Job description

Job Description:

Role Description

Credit Manager - WC - SME - LT

Business Unit

Wholesale Credit - SME

Reporting To

Area Credit Manager / Regional Credit Manager / Team Leader

Job Function and Role Type

Credit, Individual Contributor

Job Purpose

Ensure adherence to policies, processes, and procedures to maintain portfolio quality and mitigate risks. Analyze proposals, ensure credit checks, and deliver timely decisions without compromising quality.

Key Responsibilities

Portfolio Management - Working Capital Products

• Control early delinquency and mortality.


• Minimize NPA percentage.


• Maintain housekeeping and CAM renewals.

TAT Management

• Ensure credit TAT within benchmarks.


• Control CPA TAT.

Monitoring of Vendor Performance

• Appoint vendors as per business needs.


• Ensure report quality and vendor TAT.

Adherence of Credit Policy & Processes

• Avoid deviations in processes and policies.


• Highlight ground-level feedback.

MIS Analysis

• Ensure individual productivity and portfolio quality.


• Handle vendor management and process improvement.

Compliance, Audit And CRU Requirements

• Review audit and compliance queries within TAT.


• Provide local responses and MIS promptly.

Education

Chartered Accountant or MBA from a reputed institute.

Certifications

Banking Product & Process Knowledge, Communication, Industry Knowledge.

Key Competencies

• Risk assessment


• Portfolio management


• Compliance adherence


• Vendor management


• Analytical skills

Major Stakeholders

• Customers


• Branch Banking Team


• Operations


• Business Teams


• Audit/CRU