ICICI Bank - Credit Manager

Credit Manager

Educational: CAs and MBAs

Experience: 1-5 Years

Location: Across India

Essential Services: Role & Location fungibility

At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team. To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service.

About the role

As a Credit Manager, you will be responsible for credit evaluation and credit underwriting of various loan products for customers across retail, agri, business banking, and small and medium enterprises. In the process of credit evaluation, you and your team will get an opportunity to capture the diverse 360-degree banking needs of the customers and recommend suitable products and services in line with customer needs. The credit team is responsible for credit evaluation of loan products such as personal, mortgage, vehicle, credit card, working capital, enterprise credit, and business loans.

Key Responsibilities

- 360 Customer Credit Assessment: Drive the 360-degree assessment of the customers holistically and to capture the customers banking needs over and beyond credit requirements.

- Service Delivery: Ensure best-in-class customer experience in all the engagements.

- Process Compliance: Ensure that the credit underwriting process is within established guardrails. Continuous monitoring of loan utilisation, repayment capacity, loan covenants, and compliance. Process credit appraisal notes within the defined financial limit in line with the Bank framework.

- Portfolio Management: Management of the assigned portfolio through improved disbursement with a key focus on quality and governance framework.

- Collaboration: Work closely with teams across businesses, legal, technical valuation, field investigation, risk management, and other internal teams.

- Ground Sensing: Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio.

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