Credit Manager

Job description

**Company Description** ICICI Bank is one of India’s leading private sector banks, providing a broad range of banking products and services to corporate clients, SMEs, and individual customers nationwide. The Bank serves customers through multiple channels, including branches, ATMs, mobile banking, internet banking, and phone banking. With a network of 7,246 branches and 10,610 ATMs and cash recycling machines across India as of September 30, 2025, ICICI Bank offers extensive reach and accessibility. Team members join a large, established financial institution with robust infrastructure, strong customer focus, and diverse opportunities for professional growth. **Role Description** This is a full-time, on-site Credit Manager role based in Vijayapura. The Credit Manager is responsible for evaluating credit proposals, assessing financial statements, and determining creditworthiness of retail and business customers in line with the bank’s policies. The role includes monitoring existing credit portfolios, identifying early warning signals, and ensuring timely renewals and reviews to maintain asset quality. The Credit Manager collaborates with branch teams, risk management, and operations to ensure accurate documentation, compliance with regulatory and internal guidelines, and efficient credit processing. The position also involves preparing credit reports, supporting audits, contributing to process improvements, and providing guidance on credit-related queries to internal stakeholders. **Qualifications** - Strong expertise in Credit Management and Credit, with the ability to evaluate proposals and structure appropriate credit solutions. - Proficiency in Credit Risk Management and Analytical Skills to assess risk, analyze financial data, and make sound credit decisions. - Solid understanding of Finance, including financial statements, cash flows, and key credit and risk metrics. - Bachelor’s degree or higher in Finance, Commerce, Economics, Business Administration, or a related field. - Knowledge of banking regulations, credit policies, and RBI/SEBI guidelines relevant to lending activities. - Strong attention to detail, numerical accuracy, and ability to work with data and documentation under defined timelines. - Effective communication and interpersonal skills for collaborating with branch staff, customers, and risk teams. - Prior experience in banking or financial services in a credit or lending role is preferred.