| Company | ICICI Bank |
| Job Title | Credit Manager |
| Business Group | Credit & Process Management (CPMG) |
| Job Level | Managerial |
| Location | Across India |
| Experience Required | 1–5 Years |
| Educational Qualification | Chartered Accountant (CA) or MBA (Finance) from a top college with minimum 1 year of experience |
| Role Purpose | Credit evaluation and underwriting of retail, agri, business banking, SME, mortgage, vehicle, personal, credit card, working capital, enterprise credit, and business loans |
| Key Responsibilities | Conduct 360° customer credit assessment, evaluate loan applications, prepare credit appraisal notes, monitor loan utilization and repayment capacity, ensure compliance with credit policies, manage assigned credit portfolio, collaborate with relationship managers, legal, technical valuation, risk and investigation teams, monitor market trends and regulatory changes, deliver superior customer service |
| Loan Products Handled | Home Loan, Personal Loan, Vehicle Loan, Gold Loan, Mortgage Loan, Credit Card, Working Capital Loan, Enterprise Credit, Business Loan, SME Loan |
| Core Skills Required | Credit Underwriting, Financial Analysis, Risk Assessment, Portfolio Management, Regulatory Compliance, Relationship Management, Communication Skills, Analytical Thinking |
| Financial Knowledge Required | Understanding of Balance Sheet, Profit & Loss Account, Cash Flow Statement, Financial Ratios, Credit Appraisal |
| Risk & Compliance | Monitor repayment capacity, loan covenants, policy compliance, credit quality, portfolio risk, and regulatory guidelines |
| Collaboration | Work with Relationship Managers, Legal Team, Technical Valuation Team, Field Investigation Team, Risk Management Team, and Internal Business Teams |
| Success Factors | Analytical mindset, Customer-centric approach, Business understanding, Collaboration, Relationship orientation, Vigilance on norms and regulations |
| Role Involves Sales? | No direct sales; supports relationship teams and participates in 360° banking to meet customer needs |
| Preferred Candidates | CA or MBA (Finance) professionals with experience in banking, NBFC, lending, credit underwriting, or financial analysis |
| Career Progression | Credit Manager → Senior Credit Manager → Area Credit Manager → Regional Credit Manager → Zonal Credit Head → National Credit Head |
| Selection Process | Application Screening → Profile Shortlisting → Personal Interview → Final Selection |
| Approximate Salary (CTC) | 1–2 Years: ₹8–12 LPA • 3–5 Years: ₹12–18 LPA (may vary by location, experience, and performance) |
