About the role
The candidate will have responsibilities across the following functions:
Credit Underwriting and Deal Evaluation:
- Build end-to-end Credit Appraisal Memorandums (CAMs) and investment notes for structured lending deals.
- Evaluate business models, cash flows, DSCR, leverage, and working capital cycles.
- Perform scenario analysis, downside cases, and sensitivity modelling.
- Identify risks and design deal structures (covenants, DSRA, escrow, collateral frameworks).
Credit Decisioning and Execution:
- Present deals to the Credit Committee with strong recommendations and conviction.
- Support term sheet structuring, sanctioning, and documentation.
- Work closely with founders, lenders, and internal teams on deal closure.
Portfolio Monitoring and Risk Management:
- Track portfolio health, SMA signals, covenant breaches, and early warning indicators.
- Support renewals, restructuring, and risk mitigation strategies.
- Continuously review credit frameworks, underwriting standards, and internal policies.
Requirements:
- 4-8 years' experience in credit/project finance/structured lending.
- Background in NBFCs, banks, credit funds, or financial institutions.
- Non-retail lending experience is mandatory.
- Strong experience in financial analysis, cash flow modelling, and credit structuring.
Preferred Background:
- Good at CA / MBA (Finance) / CFA / FRM.
- Exposure to sectors: renewables, EV, infra, energy, and manufacturing.
- Experience in financial modelling, scenario analysis, or structured deals.
- Familiarity with RBI norms, SMA/NPA classification, and NBFC regulations.