Area Credit Manager

Tata Capital; Mumbai City; On-site; INR 1,400,000 - 2,200,000; Full time

Job summary

Tata Capital is seeking an experienced credit professional to evaluate CAMs and financial models for large and mid corporate borrowers. The role involves underwriting, risk assessment, and complex financial modelling using Excel, with emphasis on P&L and balance sheet analysis.

You will coordinate with internal teams to ensure compliant structuring of credit transactions. The ideal candidate will bring hands-on underwriting experience in corporate banking or NBFC sectors, strong analytical

Qualifications

• Experience in credit appraisal/underwriting for corporate banking or NBFC.
• Hands-on underwriting experience in Large/Mid Corporate segments with high-ticket exposures.
• Advanced Excel and financial modelling skills including cash-flow based models.
• Ability to identify risks and structure mitigants and credit recommendations.

Responsibilities

• Evaluate and assess CAMs and financial models submitted by the Business Team.
• Prepare comprehensive credit notes and financial models using inputs from business teams and public sources.
• Conduct detailed financial analysis (P&L, Balance Sheet, cash-flow) and identify major movements.
• Assess business, promoter, financial, transaction and industry risks for Large/Mid Corporate borrowers.
• Structure credit transactions in line with internal policies and regulatory frameworks.
• Identify key risks and recommend risk mitigants and sanction conditions.
• Work extensively on Excel-based financial models with large interconnected sheets.
• Coordinate with internal teams involved in the credit appraisal process.

Skills

Credit appraisal

Financial modelling

P&L analysis

Balance sheet analysis

Cash-flow modelling

Excel

Credit risk assessment

Underwriting

Transaction structuring

Job description

Role & responsibilities

• Evaluate and assess Credit Appraisal Memorandums (CAMs) and financial models submitted by the Business Team.
• Prepare comprehensive credit notes and financial models using inputs from business teams, public-domain information and other relevant sources.
• Conduct detailed financial analysis, including P&L, Balance Sheet and cash-flow assessment, and identify reasons for major financial movements/variances.
• Assess business, promoter, financial, transaction and industry risks associated with Large/Mid Corporate borrowers.
• Structure credit transactions in compliance with internal credit policies and applicable regulatory frameworks.
• Identify key risks and recommend appropriate risk mitigants, sanction conditions and credit recommendations.
• Work extensively on Excel-based financial models, including large interconnected sheets and cash-flow models.
• Coordinate effectively with internal teams involved in the credit appraisal and assessment process.

Preferred candidate profile

• 5-7 years of relevant experience in credit appraisal/underwriting, preferably within Corporate Banking, NBFC or a similar lending environment.
• Must have hands-on underwriting experience in the Large/Mid Corporate segment, including assessment of high-ticket credit exposures.
• Strong experience in CAM/credit note preparation, financial statement analysis and credit risk assessment.
• Strong understanding of transaction structuring, risk identification and mitigation.
• Advanced working knowledge of Excel and financial modelling, particularly cash-flow-based models and interconnected financial sheets.
• Strong analytical ability to evaluate P&L and Balance Sheet movements in accordance with accounting standards.
• Good team coordination, attitude and willingness to learn and train others.