Assistant Director- Credit review

Acuity Analytics; Pune District; On-site; INR 4,000,000 - 7,000,000; Full time

Job summary

Acuity Analytics seeks an experienced Lending Services leader to manage a team responsible for credit appraisals, underwriting and portfolio monitoring. You will ensure high-quality workflows, mentor junior analysts and deliver timely credit notes for approvals.

The role requires 11–16 years in commercial lending, strong English communication, and a track record of process improvement and stakeholder engagement. MBA/CFA is advantageous.

Qualifications

• 11-16 years of experience in Commercial lending operations including origination, underwriting and portfolio monitoring.
• MBA or CFA preferred; strong analytical and numerical skills.
• Excellent written and spoken English communication.
• Experience in team management and delivering services to global clients.

Responsibilities

• Oversee a team engaged in credit workflows and quality checks to maintain high standards.
• Lead training, mentoring and upskilling juniors in credit processes.
• Analyze corporate financial statements for credit appraisal and risk ratings.
• Monitor covenants, perform validations and flag Early Warning Signals.
• Prepare credit appraisals and notes for approvals; manage deadlines with stakeholders.
• Provide domain expertise in credit notes and credit appraisals and contribute to process improvements.
• Author blogs/whitepapers on trending topics to provide strategic insights.

Skills

Credit analysis

Team management

Underwriting

Covenant monitoring

Financial statements

KPI analysis

Communication

Process improvement

Mentoring

Thought leadership

Education

MBA

CFA

Job description

We are looking for a dedicated and motivated individual who has strong technical, analytical and organizational skills for our Lending Services team.

Key responsibilities

This is a team management role, with responsibility for overseeing a team engaged in the following activities:

• Maintaining high quality in the below workflows by performing quality checks, providing training, mentoring and upskilling juniors:
• Spreading of the financial statements of corporates in the client proprietary platform.
• Analysis of financial statements of public and private companies for the credit appraisal process
• Conducting background research independently to understand the appropriate KPIs that are relevant to each borrower
• Monitoring covenants on a regular basis, performing validations and highlighting any Early Warning Signals
• Carrying out written credit appraisals, risk ratings, and credit notes for credit approvals
• Motivating and managing a team of analysts, planning workflows and liaising with global clients in ensuring that deadlines are met at the required standard
• Contributing to process improvement, providing value adds to the deliverables and automation of tasks
• Providing domain expertise in credit notes and credit appraisals
• Communicating clearly and confidently with internal and external stakeholdersboth written and verbal
• Providing strategic thought leadership through the authoring of blogs and whitepapers on trending topic

Key competencies

• 11-16 years of experience in Commercial lending (corporate/wholesale lending) operations including origination, underwriting and portfolio monitoring activities
• Familiarity and expertise in a specific sector will be an added advantage
• Experience in complete delivery set-up, smooth roll-out of services and the implementation of best practices, feedback mechanisms, hiring and training the team
• Good knowledge of the products involved in entire value chain of commercial lending including underwriting, covenant monitoring, and portfolio monitoring.
• Hands on experience in carrying out tasks like credit appraisals, finalizing risk ratings, credit notes for credit approvals and ongoing monitoring.
• Excellent understanding of the financial statements of the corporates
• A Masters in Business Administration and/or a full/ part qualification in CFA will be an added advantage.
• A highly analytical mind and a high level of attention to detail
• Excellent written and spoken English communication skills
• The ability to work independently and meet deadlines under pressure.