Sr Credit Manager - CV And CE Chennai

CSB Bank; Chennai; On-site; INR 1,400,000 - 2,100,000; Full time

Job summary

CSB Bank is seeking an experienced credit risk professional to appraise complex CV and CE loan proposals, assess business viability and portfolio risks, and support prudent lending for portfolio growth.

You will conduct field visits, ensure compliance with credit policies, monitor delinquency trends, and collaborate with cross-functional teams to strengthen credit quality and risk controls.

Qualifications

• 5 to 12 years of experience in credit risk or lending.
• CA or MBA Finance qualification.
• Experience with CV/CE loan proposals is a plus.

Responsibilities

• Appraise CV & CE loan proposals and conduct risk assessments within defined TAT.
• Interact with customers, perform field due diligence, and assess repayment capacity.
• Ensure compliance with banks' credit policies and regulatory guidelines.

Skills

Credit risk assessment

Portfolio management

Education

CA/MBA Finance

Job description

Job Description:

To evaluate complex Commercial Vehicle and Construction Equipment credit proposals through assessment of business performance, customer viability and portfolio risks. The role contributes to prudent lending and sustainable portfolio growth.

Responsibilities

• Appraise CV & CE loan proposals, conduct detailed credit and risk assessment, scrutinize customer, financial and collateral documents, and recommend/sanction proposals within defined TAT and delegated authority.
• Conduct customer interactions, personal discussions, field visits, and due diligence to assess repayment capacity, business viability, and creditworthiness.
• Ensure adherence to the Banks credit policies, underwriting standards, regulatory guidelines, and risk management framework.
• Monitor portfolio performance, delinquency trends, credit losses, and early warning signals, and recommend corrective actions to maintain portfolio quality.
• Review loan documentation and credit conditions to ensure compliance prior to disbursement and throughout the loan lifecycle.
• Prepare, review, and monitor credit MIS, portfolio reports, exception reports, and risk indicators for effective portfolio management.
• Support and guide business teams on credit policies, underwriting norms, risk assessment, and policy changes through regular training and engagement.
• Identify process, policy, and control gaps and recommend improvements to strengthen credit quality, operational efficiency, and risk controls.
• Collaborate with Business, Operations, Collections, Legal, and Risk teams to ensure effective credit decision-making and portfolio management.
• Undertake other credit risk management and portfolio monitoring responsibilities as assigned by the Head of Credit.

Qualifications

Experience Range : 5 to 12 years

Qualifications:

CA/ MBA Finance

Requirements: