The Credit Manager – FI Risk is a key position within the Wholesale Banking Risk function, based in Mumbai. The role involves managing the bank’s lending process, including evaluating clients’ creditworthiness, approving or rejecting loan requests, and determining loan terms and interest rates. The role holder will also be responsible for developing credit scoring models, maintaining credit policy frameworks, and partnering with the credit systems support team to implement key policy criteria in credit evaluation systems.
Primary Responsibilities
Conduct regular asset quality reviews and provide analytical insights to identify risks and opportunities, recommending appropriate actions.
Research and evaluate the creditworthiness of clients.
Approve or reject loan requests based on credibility, potential revenue, and risk of losses.
Calculate and set interest rates; negotiate loan terms with clients.
Ensure credit policies and risk acceptance criteria are reviewed and updated regularly to reflect changes in legal/regulatory requirements, business strategies, market conditions, or portfolio performance.
Develop, review, and update the bank’s credit policies.
Follow up with clients to manage debt settlements and loan renewals.
Create and maintain credit scoring models for risk assessment.
Ensure adherence to the bank’s credit guidelines.
Maintain records of all bank loans; monitor loan payments and manage bad debts.
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