Credit Manager

JCW Group; Greater London; Hybrid; GBP 70,000 - 90,000; Full time

Benefits offered by this job

Hybrid working from central London

Job summary

JCW Group is working with a London-based financial institution seeking a Credit Manager for Emerging Markets. You will own transactions end-to-end from initial credit assessment through to close, engaging with borrowers, lenders, and advisers during due diligence and presenting to senior management and the credit committee.

The role focuses on South and Southeast Asian markets, infrastructure and related sectors.

Qualifications

• Experience in second-line of defence and credit analysis.
• Demonstrable experience with credit transactions in emerging markets.
• Ability to construct and stress-test financial models and translate outputs into credit judgement.
• Confidence presenting to senior management and independent directors.

Responsibilities

• Lead credit analysis and due diligence on proposed transactions in emerging markets.
• Build and interrogate financial models; assess bankability and credit risks.
• Draft clear credit papers and present recommendations to Credit Committee and directors.
• Structure facilities and negotiate key terms with lenders and counsel.
• Monitor live portfolio; identify early warnings and manage amendments/waivers.
• Contribute to credit policy and risk frameworks across expanding coverage.

Skills

Credit analysis

Due diligence

Financial modeling

Credit committee

Portfolio monitoring

Credit policy / risk frameworks

Job description

Credit Manager | Emerging Markets | London | £70,000 – £90,000

We are working exclusively with a specialist financial institution based in London, focused on mobilising private sector capital into infrastructure and economic development across emerging markets in Asia and sub‑Saharan Africa. The organisation works with a broad range of counterparties – banks, sponsors, and multilaterals – deploying structured credit products that support investment in markets where private finance would otherwise not reach.

This is not a front‑office role. It sits firmly in the credit function: you will own transactions end to end, challenge assumptions, present your recommendations directly to a credit committee and independent directors, and build expertise in a structured credit discipline that is niche, in high demand, and highly transferable.

The Role

As Credit Manager, you will take full ownership of your own portfolio of transactions from initial credit assessment through to close and ongoing monitoring. You will work alongside a dedicated analyst, engage with borrowers, lenders, and technical advisers during due diligence, and present directly to senior management and independent directors at credit committee. The deal flow is genuinely varied – two to three new countries per year and an evolving sector mix spanning infrastructure, energy, agriculture, financial institutions, and more.

Key Responsibilities

• Lead credit analysis and due diligence on proposed transactions in South and Southeast Asian emerging markets
• Build and interrogate financial models; assess project bankability, cash flow resilience, downside scenarios, and key credit risks
• Draft clear, well‑reasoned credit papers and present your recommendations directly to the Credit Committee and independent directors
• Structure facilities and negotiate key terms with counterparties, lenders, and legal counsel
• Monitor the live portfolio: identify early warning signals, recommend remedial actions, manage amendments and waivers
• Contribute to credit policy, risk frameworks, and the institution’s expanding sector and geographic coverage

What We Are Looking For

• A confirmed second‑line of defence background – you have assessed, challenged, and approved credit transactions rather than originated or structured them. Candidates from relationship management, origination, or deal teams will not be considered.
• Demonstrable experience managing or analysing credit exposures in South or Southeast Asian emerging markets – India, Bangladesh, Pakistan, Philippines, Indonesia, Vietnam, or comparable markets
• Expertise in project finance, infrastructure debt, or structured / cash‑flow‑based finance credit analysis
• Ability to construct, audit, and stress‑test financial models and translate outputs into clear credit judgement
• Confidence presenting to senior management and independent directors; strong written credit communication
• Prior experience at a multilateral, international financial institution, or specialist emerging market lender
• Familiarity with risk‑sharing structures, first‑loss instruments, or other forms of credit enhancement
• Additional language skills relevant to target markets

What Is on Offer

• £70,000 – £90,000 base salary (depending on experience)
• Hybrid working from central London
• High autonomy and visibility from day one – you own your transactions and your relationships
• Direct exposure to senior management and independent directors through regular credit committee presentations
• A distinctive product set and credit discipline that is scarce in the market and genuinely valued
• Broad deal variety: new geographies and evolving sectors every year, with a growing Asia pipeline
• Small, collegiate team with a steep learning curve and genuine development opportunity