IDFC FIRST Bank | Branch Credit Manager-Rural

Roles & responsibilities

• The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement.
• The role bearer is involved in implementation of credit policy initiatives and managing the quality of the portfolio.
• The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy.
• Conducting Credit Appraisal required for the loan to avoid Business Risk as per norms.
• Maintaining Credit TAT to ensure the growth of business.
• Conducting Personal Visits to customers and doing root cause analysis of such cases.
• Conducting Random Visits in order to cross check the authenticity of the Contact point verifications.
• Maintaining credit MIS and various management reporting as required.
• Manage Audit compliance for the branch and support in other operational activities.
• Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary.
• Contribute to portfolio management programs i.e. limit increases, loan postponements etc.
• Recommend process changes in order to improve service efficiency and quality across the assigned area.
• Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service.

IDFC FIRST Bank Limited

IDFC FIRST Bank took its present form on 18 December 2018, when IDFC Bank and Capital First merged. IDFC Bank had been launched in November 2015 through a demerger from IDFC Limited, the infrastructure finance company set up in 1997, while Capital First brought a retail lending business built around consumers and small entrepreneurs. IDFC Limited, the former holding company, was itself merged into the bank with effect from 1 October 2024, leaving a simpler structure with no holding company and no promoter. Listed on the NSE and BSE, the bank has its corporate office at Bandra-Kurla Complex in Mumbai and its registered office in Chennai, and lends mainly to retail, rural and small-business customers.

Finance-side roles at the bank include credit managers for loans against property, rural branch lending and wholesale banking, trade finance operations staff, reconciliation and operational-risk work in wholesale banking, internal auditors (including gold-loan audit), due-diligence quality control and business finance analysis. Openings are spread over cities such as Mumbai, Navi Mumbai, Thane, New Delhi, Bengaluru, Hyderabad, Ahmedabad, Jaipur and Lucknow. Many postings accept a graduate or postgraduate in any discipline, often a B.Com, BMS or BBI, while several credit and finance roles ask for a CA or an MBA in Finance, or list CA, CFA or ICWA as preferred.

• Industry: Banking: retail, rural and MSME lending, deposits, wealth management, and wholesale and trade banking
• Headquarters: Mumbai, India (corporate office at Bandra-Kurla Complex); registered office in Chennai
• In India: IDFC FIRST Bank Limited, listed on the NSE and BSE, with its corporate office in Mumbai, its registered office in Chennai and branches across India