Credit Manager
HDFC Bank · Posted Sep 12
Commercial banking, retail banking, credit card, loan, and treasury services
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About the role
HDFC Bank is India’s largest private sector bank, serving over 92 million customers with a wide range of financial products and services across thousands of branches and ATMs in urban and rural locations. This is a full-time, on-site Credit Manager role based in Panipat, focused on credit evaluation, portfolio monitoring, and credit risk controls for retail and business customers. The role collaborates with branch teams, risk, and operations to structure deals, prepare credit reports, and ensure adherence to internal credit policies and RBI guidelines.
What you will do
- The Credit Manager will evaluate credit applications, analyze financial statements, and assess creditworthiness for retail and business customers.
- Responsibilities include setting and reviewing credit limits, monitoring portfolio performance, and ensuring adherence to internal credit policies and regulatory guidelines.
- The role involves collaborating with branch teams, risk, and operations to structure deals, resolve queries, and support timely decision-making.
- The Credit Manager will also prepare credit reports, recommend approvals or rejections, and contribute to continuous improvement in credit processes and risk controls.
Skills used in this role
What the employer is looking for
- Strong expertise in Credit Management and Credit, including assessment of borrowers and structuring of credit proposals.
- Proficiency in Credit Risk Management, with the ability to identify, measure, and mitigate credit-related risks.
- Robust Analytical Skills and Finance knowledge to interpret financial statements, cash flows, and market information.
- Sound understanding of banking products, regulatory norms, and RBI guidelines related to lending and credit.
- Bachelor’s degree in Finance, Commerce, Economics, Business, or a related field; professional certifications (e.g., CA, CFA, MBA in Finance) are an advantage.
- Attention to detail, strong judgment, and ability to make timely, data-driven decisions.
- Effective communication and stakeholder management skills, with the ability to work in a fast-paced branch environment.
Preferred qualifications
- Experience in credit underwriting or credit risk within banking or financial services is preferred.
Benefits and support
- Compensation and benefits are detailed in the job posting
About HDFC Bank
HDFC Bank Limited is an Indian banking and financial services company headquartered in Mumbai. It is India's largest private sector bank by assets and market capitalization, offering a wide range of financial products including retail banking, wholesale banking, and treasury operations.
- Industry
- Banking
- Company size
- 211535 employees
- Founded
- August 1994
- Location
- Mumbai, Maharashtra, India
- Funding stage
- Public Company
Leadership
Sashidhar Jagdishan
Managing Director and Chief Executive Officer
Srinivasan Vaidyanathan
Chief Financial Officer
Ramesh Lakshminarayanan
Chief Information Officer
Vibhash Naik
Chief Human Resources Officer
Recent coverage
Businessworld
HDFC Bank May See Nine Senior Executives Reach Retirement Age By 2030October 6, 2026
Stock Titan
HDFC Bank Limited Reports Period-End Advances and Deposits for September 2026October 5, 2026
GlobeNewswire
HDFC Bank Shares Fall on Legal and Regulatory Scrutiny UpdatesOctober 7, 2026