| Job Title | Senior Credit Manager |
| Job ID | 41228 |
| Location | YES BANK House, Santacruz, Mumbai (Work From Office) |
| Job Type | Permanent, Full-Time |
| Primary Objective | Assess and manage credit risk for corporate/retail loan proposals and ensure high-quality lending decisions |
| Core Responsibility | Evaluate loan proposals and provide independent credit recommendations |
| Credit Assessment | Analyze financial statements (Balance Sheet, P&L, Cash Flow) and assess borrower’s repayment capacity |
| Risk Evaluation | Identify credit risks including industry risk, business risk, and management risk |
| Portfolio Quality | Maintain asset quality by ensuring sound underwriting and minimizing NPAs |
| Approval Process | Review and approve/recommend credit proposals within delegated authority |
| Policy Adherence | Ensure all proposals comply with internal credit policies and regulatory guidelines |
| Stakeholder Coordination | Work closely with Relationship Managers, Risk teams, and Business units |
| Monitoring & Review | Periodic review of existing portfolio and early identification of stress accounts |
| Documentation & Compliance | Ensure proper credit documentation and adherence to audit requirements |
| Decision Making | Take timely credit decisions on complex cases within defined TAT |
| Skills Required | Credit analysis, financial modeling, risk assessment, analytical thinking, decision-making |
| Ideal Candidate Profile | Experience in credit underwriting (corporate/retail), strong financial analysis skills, risk-focused mindset |
| Career Path | Credit Manager → Senior Credit Manager → Credit Head → Chief Risk Officer |
