Job Title Credit Manager-WC-SME-ST Business Unit Wholesale Credit-SME Reporting To Area Credit Manager / Regional Credit Manager / Team Leader Job Function and Role Type Credit, Individual Contributor, Light Travel Version No 1.0 Job Purpose Ensure adherence to policies, processes, and procedures to maintain portfolio quality and minimize risk. Analyze proposals, monitor vendors, and ensure timely credit decisions without compromising quality. Key Responsibilities Portfolio Management Control early delinquency and mortality. Maintain minimal NPA percentage. Ensure CAM renewals are under control. TAT Management Ensure credit TAT within benchmarks. Monitor CPA TAT adherence. Monitoring of Vendor Performance Appoint vendors as per business needs. Ensure quality and timely vendor reports. Adherence to Credit Policy and Processes Ensure no deviations from policies or guidelines. Provide ground-level feedback for improvements. MIS Analysis Monitor individual productivity and portfolio quality. Handle vendor management and process improvements. Compliance, Audit, and CRU Requirements Review audit and compliance queries within TAT. Provide local MIS responses promptly. Education: Chartered Accountant or MBA from a reputed institute. Certifications: None specified. Key Competencies Banking product and process knowledge, communication, industry knowledge, risk assessment, vendor management. Major Stakeholders Customers, Branch Banking Team, Operations, Business Teams, Audit/CRU.