Credit Manager-Wholesale Banking
IDFC FIRST Bank · Chennai
- Experience5+ yrs
- SalaryNot disclosed
- Work modeunknown
- Levelmid
- Posted18 Sept 2026
About IDFC FIRST Bank
IDFC FIRST Bank is hiring in Chennai in financial services. This role looks for around 5+ years of experience.
Skills
- Credit risk management
- Financial analysis
- Credit risk assessment
- Credit ratings
- Portfolio management
- Risk governance
- Regulatory compliance
- Stakeholder management
The role
A Credit Manager works in wholesale banking, assessing corporate lending proposals and managing portfolio health through credit risk management. This person evaluates financials, collateral, management quality, industry outlook, credit ratings, and early warning signals while shaping risk strategies and regulatory controls. Their skills include credit risk management, financial analysis, credit assessment, portfolio management, risk governance, regulatory compliance, and stakeholder management.
Full job description
Job Requirements
About the Role
Credit Manager – Wholesale Banking will manage 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 GraduatePost-Graduation: Any Post Graduate
Experience
Minimum 5 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.