Bharat Banking : Credit Monitoring Manager- BE Wholesale

About the Role

The Credit Monitoring Manager will manage and monitor the credit activities, processes for the B2B Wholesale Credit vertical for pan-India location.

Key Responsibilities

1.Transaction & Process Coordination

oLiaise between Credit, Operations, Legal, and Business teams to fast-track approvals and disbursements.

oMonitor and escalate issues delaying transactions to ensure TAT adherence.

oProvide end-to-end visibility of cases under process.

2.Post-Disbursement Monitoring

oTrack and follow up on pending Post-Disbursement Documents (PDDs) to ensure timely closure.

oMaintain a centralized MIS of document compliance and report exceptions.

3.Covenant Monitoring

oRegularly track and report compliance against key sanction covenants.

oHighlight and escalate breaches / deviations to appropriate authorities.

4.Portfolio Monitoring

oMonitor and update borrower ratings, flagging stale or outdated ratings for timely review.

oIdentify early warning signals (EWS) through periodic review of financials, overdue positions, and operational s.

5.Issue Resolution & Stakeholder Management

oCoordinate with credit and ops teams to resolve bottlenecks in documentation, compliance, or system-related issues.

oAct as a single point of contact for stakeholders for monitoring-related queries.

6.Risk & Compliance Tracking

oEnsure adherence to internal policies, RBI / Regulatory guidelines, and audit requirements.

oTrack exposure against limits, sectoral caps, and concentration norms.

oMaintain and review deferral approvals, ensuring timely clearance.

7.Reporting & Analytics

oPrepare and circulate periodic dashboards on PDD status, covenant compliance, stale ratings, and monitoring exceptions.

oProvide insights and recommendations to strengthen credit administration and reduce risk.

oCoordinating with Audit, Compliance, and operations for resolution of queries and documentations.

Qualifications

• .Optimal qualification for success on the job is :
• .Graduation / Post- Graduation (MBA / CA preferred)
• .Minimum 10 years of relevant work experience (Preferred experience in Credit vertical with expertise in CAM / underwriting for SME / Agri. / Corporate borrowers.)

Role Proficiencies :

For successful execution of the job, the candidate should possess the following :

About Axis

Incorporated in 1994, Axis Bank is one of India's most trusted banks & the third largest in the private sector. At Axis Bank, customer centricity has always been the foundation of our business. Our efforts to address the requirements of a diverse customer cross-section are powered by robust infrastructure, advanced technology, a comprehensive monitoring & control framework & a large talent pool.

The Bank has a young & engaged workforce of over 60,000 employees, with an average age of 30 years. We are an equal opportunity employer & believe in empowering our employees by offering rich roles, learning opportunities & flexibility to chart their career, their way.

Skills Required

Credit Monitoring, issue resolution