Credit Manager-Commercial Banking

About the role

The Credit Manager – Commercial Banking plays a pivotal role in driving risk-calibrated, profitable growth by managing end-to-end credit appraisal, decision-making, and portfolio monitoring. This role ensures portfolio quality through early warning systems, covenant tracking, and stress testing, while also engaging with clients throughout their lifecycle.

What you'll do

• Credit Appraisal & Approval
• Conduct in-depth analysis of financials, credit bureau reports (commercial & consumer), banking history, and QCA modules
• Evaluate credit proposals and approve/recommend within delegated authority
• Ensure adherence to credit policies, regulatory norms, and documentation standards
• Portfolio Quality & Risk Management

What you need

• 6–12 yrs of experience
• Financial analysis
• Underwriting
• Credit appraisal
• Internal audit
• Reporting
• Compliance
• B.Com or B.Tech or B.E. or B.Sc or Chartered Accountant or CMA or MBA

Good to have

• Due diligence
• Performance testing