Senior Credit Manager-Wholesale Banking

Idfc First Bank Limited; Bengaluru; On-site; INR 2,800,000 - 4,200,000; Full time

Job summary

Idfc First Bank Limited seeks a Senior Credit Manager to join its Wholesale Banking Risk team in Bengaluru. The role focuses on managing a sizable corporate portfolio, enhancing product offerings, and optimizing customer satisfaction and wallet share through comprehensive banking solutions.

The candidate should have 10+ years of experience in credit risk management, strong analytical skills, and proven leadership abilities to mentor teams and drive risk process innovation within a regulated

Qualifications

• Bachelor's or equivalent degree in a relevant field is expected.
• Post-graduate qualification in a related discipline is preferred.

Responsibilities

• Develop and refine credit risk management strategies and risk tolerance for corporate lending.
• Perform independent credit risk assessments focusing on asset quality, pricing, collateral, financials, management quality, and industry outlook.
• Recommend credit ratings and risk-return analyses to approval committees.
• Collaborate with business teams to align risk appetite and detect early stress signals.
• Review client rating models, financial performance, and external ratings for portfolio quality and regulatory compliance.
• Lead portfolio reviews and assess effectiveness of early warning signals.
• Ensure timely risk reporting and dashboards per procedures.
• Oversee enterprise risk policies and regulatory/internal compliance.
• Periodically review products and processes to provide risk-mitigating controls.

Skills

Analytical skills

Decision making

Credit risk assessment

Financial analysis

Regulatory frameworks

Stakeholder management

Leadership

Mentoring

Innovation in risk processes

Integrity & compliance

Education

Graduation

Post-Graduation

Job description

Job Requirements

About the Role

We are looking for a Senior Credit Manager to join our Wholesale Banking Risk team. This role involves managing 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 10 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.