Credit Manager-FI Risk
IDFC FIRST Bank · Mumbai
- Experience5–12 yrs
- SalaryNot disclosed
- Work modeunknown
- Levelmanager
- Posted16 Sept 2026
About IDFC FIRST Bank
IDFC FIRST Bank is hiring in Mumbai in financial services. This role looks for around 5+ years of experience.
The role
A credit manager role in wholesale banking, responsible for administering the bank’s lending process from evaluating clients’ creditworthiness through approving or rejecting loan requests, plus creating credit scoring models and developing credit policies. Work includes facilitating asset quality reviews with provision analytics, calculating and setting interest rates, negotiating loan terms, and monitoring portfolio performance, delinquency control, and bad debt. Skills and tools named include credit scoring models, credit policy criteria, credit acceptance and evaluation systems, and portfolio monitoring trigger reviews. Based in Mumbai, work mode not specified.
Full job description
Job Requirements
Role/Job Title: Credit Manager-FI Risk
Business: Wholesale Banking
Function/ Department: Wholesale Banking Risk
Place of work: Mumbai
Job Purpose:
The role holder has the responsibility to administer bank's lending process, from evaluating clients’ creditworthiness to approving or rejecting loan requests. It entails the responsibility of creating credit scoring models, setting loan terms and determining interest rates. The role holder has to partner with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems.
Roles & Responsibilities:
'-Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
'-Research and evaluate clients’ creditworthiness
'-Approve or reject loan requests, based on credibility and potential revenues and losses
'-Calculate and set interest rates, negotiate loan terms with clients
'-Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance
'-Develop, review and update bank’s credit policies
'-Follow up with clients to manage debt settlements and loan renewals
'-Create credit scoring models for risk assessment
'-Assure adherence to the guidelines set by the bank
'-Maintaining records of all bank loans, monitor loan payments and bad debts.
'-Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control
'-Capture and share best- practice knowledge amongst the team
Secondary Responsibilities:
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'-Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high quality customer service
'-Leverage in-house synergies through collaboration with internal stakeholders
Managerial & Leadership Responsibilities:
'- Attract and retain best-in-class talent for key roles in their reporting structure
Key Success Metrics:
'Portfolio Quality