Credit Manager - SME Lending

HDFC Bank is India's largest private sector bank by assets and market capitalization, known for its robust lending portfolio and customer service excellence. The bank's SME and corporate banking division serves thousands of businesses across India, providing comprehensive credit solutions, working capital financing, and cash management services.

We are seeking an experienced Credit Manager to lead credit appraisal and portfolio management for our SME lending business. This role requires strong credit assessment skills, risk management expertise, and ability to drive business growth while maintaining asset quality standards.

• Lead credit appraisal process for SME loan applications including financial analysis, business evaluation, and risk assessment
• Manage SME credit portfolio worth ₹300+ Cr ensuring optimal asset quality and minimizing NPAs
• Structure customized credit solutions including working capital loans, term loans, and trade finance for SME clients
• Conduct industry analysis, borrower assessment, and collateral evaluation to make informed credit decisions
• Ensure compliance with RBI guidelines, bank policies, and credit risk framework throughout the credit lifecycle
• Collaborate with relationship managers and business teams to drive loan disbursements while maintaining credit discipline

• 8+ years of experience in commercial banking, SME lending, or corporate credit with at least 3 years in credit management
• Strong expertise in financial statement analysis, cash flow assessment, and credit risk evaluation
• In-depth knowledge of banking regulations, credit policies, and SME lending products
• Proven track record of managing large credit portfolios with focus on asset quality and risk mitigation
• Excellent analytical and decision-making skills with attention to detail
• CA, MBA Finance, or CAIIB certification preferred
• Strong relationship management skills and ability to work with cross-functional teams

• Competitive package between ₹16L – ₹22L per annum with performance bonuses
• Play a critical role in driving HDFC Bank's SME lending business and supporting India's entrepreneurial ecosystem
• Work with experienced credit professionals and gain exposure to diverse industries and business models
• On-site role at HDFC Bank's Mumbai corporate office with excellent infrastructure
• Clear career progression path to senior credit leadership roles within India's leading private bank

This opening is not listed on any public job portal. It is a verified internal opportunity exclusively accessible through the website careerjump.co.in and directly apply to this job role. They also have similar job openings posted daily on their website. You can also join their WhatsApp Community for daily updates on verified internal job openings.