Credit Manager - Working Capital & Credit Analytics

Role & responsibilities :

• Develop, monitor, and update credit lending policies in line with the bank's credit framework.
• Analyze the impact of credit policies and lending programs to support business growth.
• Draft and implement credit policies, process notes, and compliance frameworks.
• Conduct portfolio monitoring, credit analytics, and risk assessment.
• Develop and maintain credit scoring models, scorecards, and perform back-testing.
• Drive process improvement, digitization, and automation initiatives.
• Coordinate with stakeholders on technology and business projects.
• Perform portfolio hindsighting and support policy reviews based on business and regulatory requirements.

Preferred candidate profile :

• Candidates having understanding on the Working Capital business processes and currently either in the Credit/Product role would be preferred.
• A master's degree in business administration, CA, finance, or a related field, along with relevant years of experience in banking.
• Excellent analytical skills, with the ability to create and process financial spreadsheets.
• Self-driven, strong communication, go-getter attitude and ability to interact with internal stakeholders.