ICICI was formed in 1955 at the initiative of the World Bank, the Government of India and representatives of Indian industry. The principal objective was to create a development financial institution for providing medium-term and long-term project financing to Indian businesses.

Relationship Manager – Retail Banking Group

Essential Services: Role & Location fungibility

At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team. To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service. While the role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature.

About the role

A Relationship Manager is a core anchor in taking our banking solutions and services to our valuable customers. This involves a 360-degree banking approach. The Relationship Managers should have an inclination to understand the customer needs and offer solutions in line with the needs. The core philosophy to hold is being “Fair to the Customer and Fair to the Bank”. At ICICI Bank, our customer-centric relationship managers are responsible for acquiring new customer relationships and increasing the wallet share of existing customer relationships with a resolute focus on service quality and customer delight. They collaborate and work with different internal teams, thereby offering the best-in-class customer service. In line with our philosophy of taking the entire bank to the customers, our relationship managers work on the whole suite of offerings like saving solutions, loan products, overdraft solutions, Insta loans, investment solutions, care products, trade solutions, business loans, or wealth management solutions while upholding our fundamental value of being Fair to the Bank and Fair to the Customer.

Bankable individuals not just Bankers: We hire from across industries!

We at ICICI Bank are in continuous pursuit of creating consistent customer delight and superior experience. Our Relationship Managers are empowered individuals who champion the cause of customer experience and have penchant for building and nurturing business relationships. If you are an individual, whose heart echoes with our aspiration, look no more. We do not just choose diverse minds but celebrate their success. If you are a bankable individual without banking experience, you are very much welcome, irrespective of your present core responsibilities or the industry associated. Our training programs equip you to get ready for the role of a Relationship Manager. Professionals from across industries are welcome to apply for the role of Relationship Manager.

Key Responsibilities:

• Customer Service: Create service excellence by partnering with customers through their life cycle and offering suitable products and services based on their financial needs while being fair to the customer and fair to the bank in all engagements.
• Business Development: Ensuring a growth in wallet share of existing customers and on boarding new customers by offering 360-degree banking solutions that meet the needs of our customers
• Champion 360-degree banking: Offer products based on customer needs in collaboration with other internal teams in the bank for suitable product offerings.
• Enhance the portfolio quality: Work towards enhancing customer portfolio within the philosophy of Fair to the Bank, Fair to the Customer
• Customized solutions: As per branch guidelines. Upkeep and maintaining of the branch. Ensure availability of necessary infrastructure in the branch
• Behold the values: Offer products that are fair to our customers and fair to the Bank

Key Qualification & Skills

• Educational Qualification: MBA or Graduates with 1-10 years of experience in the area of relationship management, Business development or allied roles.
• Communication: Good oral and written communication skills
• Synergize with Team: Willingness to work with various teams for on-ground support and deliver enablers as required.
• Improvise: Develop and implement overarching sales and customer relationship strategy, sales processes and structure.
• Market Sensing: Monitor and evaluate industry trends, customer drivers and potential partnerships

About the Business Group

Retail Banking Group at ICICI Bank serves customer segments consisting of individuals, self-employed professionals, SMEs, proprietors, government, and retail institutions. With approximately 6,500 branches across the country, our relationship team is dedicated to serving customer needs with a 360-degree approach. ICICI Bank has a unique bouquet of digital solutions covering the diverse banking needs of customers. To facilitate a seamless customer banking experience, we have adopted the ICICI Stack approach. It covers a complete range of banking services from bank accounts, payments, banking transactions, and credit cards to personal, mortgage, vehicle loans, and business & institutional solutions.

Location:

Bhubneshwar, Cuttack, Berhampur, Puri, Rourkela, Sambalpur

Credit Manager

Essential Services: Role & Location fungibility:

While the role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature. At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team. To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service.

About the role:

As a Credit Manager, you will be responsible for credit underwriting of various loan products for customers across Retail, Agri, Business Banking, and Small and Medium Enterprises (SME). In this process of credit evaluation, you will get an opportunity to capture the diverse 360-degree banking needs of the customers and recommend suitable products and services in line with customer needs. The credit team is responsible for credit evaluation of loan products such as personal, mortgage, vehicle, credit card, working capital, enterprise credit, and business loans. ICICI Bank follows the principle of “Fair to Customer and Fair to Bank.” In this process, you and your team will work closely with the relationship teams responsible for customer engagements. ICICI Bank follows a single-point credit evaluation covering all credit requirements of the customers to offer superior service. Mentoring the team of Credit Managers in capturing the 360-degree needs of the customer and driving service standards in all their engagements is a crucial responsibility. The Credit and Policy team offers a unique experience to Credit Managers for evaluating and underwriting across the spectrum of loan products and managing a portfolio.

Key Responsibilities:

• 360° Credit Assessment: Drive the 360-degree assessment of the customers through the Credit Managers in the defined micro-markets to holistically capture the customer’s banking needs over and beyond credit requirements.
• Service Delivery: Ensure best-in-class customer experience in all the engagements of Credit Managers. Constantly mentor and guide the Credit Managers on the service delivery.
• Process Compliance: Make sure the underwriting process is within established guardrails. Keep monitoring loan utilisation, repayment capacity, loan covenants, and compliance. Approve credit appraisal notes within your financial limit in line with the Bank’s framework.
• Portfolio Management: Management of the assigned portfolio through improved disbursement with a key focus on quality.
• Collaboration: Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal teams.
• Ground Sensing: Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio.

Key Qualifications & Skills:

• Educational Qualification: MBA/chartered accountants/ Graduates. Graduates with 3-6 years of work experience or MBA/CAs with 0/-3 years of work experience in the area of credit management across industries.
• Communication skills: Ability to tailor conversations (both verbal & written) around the needs of the customer with the utmost focus on service delivery.
• Financial Understanding: An understanding of the balance sheet, cash-flow statements profit & loss accounts and other financial parameters of the clients.
• Regulation Awareness: The ability to gauge the impact of policies, rules, and regulations on the portfolio.
• Risk Mitigation: Conceptual understanding of risk and risk mitigation strategies
• Hands-on Credit Knowledge: Credit underwriting, credit appraisal, finance, risk, and audit-related experience will be preferred.

About the Business Group:

The Credit and Policy Group (CPG) is responsible for credit evaluation and underwriting of customers being served by the Retail Banking Group. CPG also formulates policies for various loan products and continuously looks for opportunities to simplify processes in order to serve customers seamlessly. Credit and Policy Group caters to the unified structure of Small and Medium Enterprises (SME), Mid Corporate Group (MCG), Business Loan Group (BLG), Rural Business Credit and credit evaluation of loan products such as personal, mortgage, vehicle, credit card.

Lead – UI/UX

The role description gives you an overview of the responsibilities; it is only directional and guiding in nature. At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team. To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service.

About the Role

This role offers you the opportunity to be part of our transformative journey of Bank-to-Bank Tech. We are passionate about leveraging technology in every possible way to touch the hearts of millions of our valued customers. In this journey, as a UI/UX lead, you underpin our efforts in creating technology-aided products that are intuitive as an interface, easy to use, and offer best-in-class experience across devices and customer segments. Your role will involve creating intuitive user experiences through designs that are backed by research on user behavior, aligned and consistent with the brand philosophy, and, importantly, matching users’ needs. You will be managing a team of UI/UX designers to visualize, create, and maintain consistent UI and UX designs across various web & mobile applications with a keen eye on user behavior. In this role, you will be working with multiple stakeholders, including but not limited to Product Managers, Business Heads, Users, and Data Science teams. Bringing accountability for the closure of various projects undertaken will be a crucial requirement of this role.

Key Responsibilities

• User Research: Conduct thorough research to understand user needs, preferences, and behaviors of various applications. Analyse market trends and competitors to make design decisions.
• Wire framing and Prototyping: Guide the team in creating wireframes and prototypes to visualize and test design concepts—iterate designs based on feedback and user testing results.
• Interface Design (UI): Develop visually appealing and consistent interfaces for the digital products of ICICI Bank. Ensure designs align with ICICI Bank brand guidelines and are responsive across various devices.
• User Experience Design (UX): Create an intuitive and efficient user journey through the product. Focus on enhancing overall user satisfaction and ease of interaction.Accessibility: Ensure designs are accessible to users with diverse abilities and needs. Follow accessibility standards and guidelines in the design process.
• Stay Updated on Design Trends: Keep abreast of industry trends, design tools, and emerging technologies. Apply innovative design solutions to enhance the overall user experience.
• Problem Solving: Identify and address design challenges, finding creative solutions. Iterate designs based on feedback and real-world usage.
• Collaboration: Work closely with cross-functional teams, including developers and product managers. Communicate design ideas effectively and incorporate feedback into the design process.

Key Qualifications & Skills

• Education Qualification: Any graduation/post-graduation with 10-12 years of experience in UI/UX design. Hands –on experience in leading design of customer facing applications (Web & Mobile Apps). Good understanding of user behaviour/market-trends and creating brand experience.

Credit Monitoring Analyst

candidate will demonstrate robust analytical capabilities and proficiency in identifying early signs of stress within the portfolio, and highlighting the same to the business, credit, and risk teams.

Key Responsibilities:

• Portfolio Management: Monitor the Wholesale Banking and Business Banking portfolios. Address internal and RBI audit-related queries pertaining to the credit monitoring process.
• Ground Sensing: Identify potential credit deterioration or weakening by analysing various internal alerts, including transactional, behavioural, financial, and external alerts such as market-related news and highlighting the same to the business, credit, and risk teams.
• Financial understanding: Possess a fundamental understanding of financial documents such as annual reports, CMA, stock, and book debts statements to conduct meaningful assessments of borrower businesses.
• Collaboration: Collaborate closely with the credit, risk, and IT teams to enhance the utilization of technology in credit monitoring, controls, and reporting.
• Service Delivery: Convene periodic health council meetings for identified borrowers, ensuring the complete closure of the loop in terms of actionable items, timelines, and feedback.
• Analysis and Reporting: Publish regular reports to senior management on portfolio quality, delinquency, behavior, and other relevant metrics

Key Qualifications & Skills:

• Educational Qualification: CA or MBA with 1 to 5 years of relevant experience of credit products and processes.
• Hands-on credit knowledge: Analytical aptitude and familiarity with banking regulations and credit risk management practices.
• Communication Skills: Good communication and presentation skills