About the role
To manage credit evaluation and risk assessment activities for the Midmarket and NBFC portfolios by ensuring sound credit underwriting, portfolio quality, risk mitigation, regulatory compliance, and timely credit decision-making that supports sustainable business growth.
Responsibilities- Independently appraise and evaluate credit proposals and assess the risk of adding transactions to the Bank's loan portfolio.
- Conduct detailed due diligence, identify information requirements, and assess customer business models, industry dynamics, and long-term viability.
- Review financial statements, cash flows, and key credit metrics to assess creditworthiness and identify risks.
- Structure credit facilities and recommend appropriate risk mitigants, covenants, and security arrangements.
- Prepare credit recommendations, identify key risks, and ensure compliance with internal policies, regulatory guidelines, and risk appetite frameworks.
- Ensure credit facilities are appropriately rated, graded, and documented in line with business, audit, and compliance requirements.
- Independently handle complex and large-ticket transactions in Mid-Market and NBFC segments, including structured finance, acquisition finance, and project finance deals.
- Review and evaluate financial models, particularly for project finance and structured credit transactions.
- Build and maintain strong working relationships with Business, Risk, Operations, Legal, and other stakeholders.
- Monitor portfolio quality, support risk management initiatives, and recommend corrective actions based on emerging portfolio trends.
- Drive process improvements, enhance operational efficiency, and contribute to strengthening credit assessment standards.
- Mentor junior team members and act as a subject matter expert for complex credit transactions.
Experience Range: 7 to 10 years
- Experience in underwriting Mid-Market and NBFC transactions.
- Exposure to structured finance, acquisition finance, and project finance.
- Experience in underwriting large-ticket exposures (₹200 Crore and above).
- Strong financial modelling and credit analysis skills.
Qualifications:
CA/ MBA Finance