Credit Manager – Wholesale Banking

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 banks 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.