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Tier-1 bank, Mumbai metro, and mid-level generalist credit role increase candidate competition.
Role requires bank-specific credit risk, regulatory and portfolio management expertise, limiting cross-industry transferability.
Explicit 3–6 years requirement plus finance certifications and credit-approval responsibilities increases strictness.
Manage a portfolio of Corporates, Banks, NBFIs, Insurance Companies, Mutual Funds etc., including credit risk analysis and approval.
Support regulatory and portfolio reporting activities related to credit risk management globally and locally.
Provide MIS and portfolio status updates to senior management, and collaborate on strategy for non-remunerative client relationships.
3-6 years of experience in credit risk management within wholesale banking from a reputed financial institution.
Postgraduate qualification in business/finance such as CA, CWA, MBA, or FRM.
Technical and analytical skills with ability to make time-sensitive credit decisions.
Basic understanding of financing, trade finance, and global markets products (fx/rates/commodities).
Experience managing diverse credit portfolios across multiple financial sectors including corporates and financial institutions.
Proven ability to perform credit approvals and portfolio risk management in a structured banking environment.
Strong communication skills suited for reporting to senior management and coordinating with relationship teams on client strategies.