Credit Manager-WCG-ECG

Hdfc Bank; Pune District; On-site; INR 1,800,000 - 3,200,000; Full time

Job summary

HDFC Bank in Pune seeks an experienced Credit Manager to own wholesale credit risk assessments, evaluating proposals and monitoring portfolios. You will ensure regulatory compliance and collaborate with risk, policy, audit, and operations teams to maintain timely service delivery.

The role requires strong financial analysis, banking product knowledge, and effective communication. Prior wholesale credit experience is preferred, with a focus on risk mitigation and policy adherence.

Qualifications

• MBA/CA/FRM/CFA are relevant qualifications for wholesale credit risk roles.
• Experience in assessing and approving credit proposals in wholesale banking is preferred.

Responsibilities

• Review credit proposals and assess credit and risk comprehensively.
• Convey clear opinions on transaction acceptability covering business model, industry risk, and regulations.
• Ensure completeness and accuracy of CAMs and adherence to credit policy.
• Monitor accounts and track industry developments to identify stress early.
• Devise risk reduction strategies for stressed accounts.
• Conduct periodic reviews with business teams and address early warning signals.
• Partner with teams to review end-use monitoring and address regulatory/audit issues.

Skills

Credit risk

Financial analysis

Regulatory knowledge

Banking product knowledge

Communication

Negotiation

Education

MBA

CA

FRM

CFA

Job description

Job Title

Credit Manager - WCG-ECG

Business Unit

Wholesale Credit Risk

Reporting To

Vertical Head / Unit Head

Job Function and Role Type

Credit, Individual Contributor, Travel Required

Version No

2.0

Job Purpose

Assess, evaluate, review, and approve credit proposals for wholesale banking relationships involving various products. Own assigned portfolio, monitor accounts, and ensure regulatory compliance in credit dispensation and monitoring.

Key Responsibilities

Appraisal of Proposal

• Review credit proposals and assess credit and risk comprehensively.
• Convey clear opinions on transaction acceptability covering business model, industry risk, and regulations.
• Ensure completeness and accuracy of CAMs and adherence to credit policy.

Portfolio Monitoring

• Monitor accounts and track industry developments to identify stress early.
• Devise and implement risk reduction strategies for stressed accounts.
• Conduct periodic reviews with business teams and address early warning signals.
• Partner with teams to review end-use monitoring and address regulatory/audit issues.

TAT

• Maintain defined credit and end-to-end TATs to ensure timely service delivery.

Education:

MBA, CA, FRM, CFA.

Certifications:

None explicitly mentioned.

Key Competencies

Technical and analytical skills, communication and negotiation skills, financial statement analysis, banking product knowledge, regulatory knowledge.

Major Stakeholders

Customers, Relationship Team, CAD, Policy Team, Audit, Legal, Compliance, Operations, Trade Finance.