AVP- Credit Risk (SME/Mid Corporate lending)

Jain International Trade Organisation - India; Mumbai; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Virtuous Advisors & Resources Pvt. Ltd. in Mumbai seeks an experienced AVP – Credit Risk to oversee credit risk across SME and Mid-Corporate lending.

The role involves comprehensive credit appraisal, financial analysis, and risk assessment to ensure high asset quality. The ideal candidate will have deep expertise in SME and Mid-Corporate lending, cash flow analysis, and portfolio risk management, with strong RBI compliance knowledge and cross-functional collaboration across risk, legal, and

Qualifications

• Experience in SME and Mid-Corporate lending and credit risk assessment.
• Strong financial statement analysis and modelling skills.
• In-depth knowledge of RBI guidelines and banking regulations.

Responsibilities

• Conduct detailed credit appraisal and risk assessment of SME and Mid-Market borrowers.
• Evaluate working capital and term lending proposals across diverse industries.
• Assess lending facilities including CC, OD, Term Loans, BG, LC and Trade Finance.
• Analyze financial statements and key ratios to determine creditworthiness.
• Assess liquidity, leverage and debt servicing capabilities.
• Perform cash flow analysis and financial modelling for repayment capacity.
• Assess management quality and business outlook for risk.
• Identify risks, mitigants, and prepare credit appraisal notes for sanctioning authorities.
• Present and defend credit proposals before committees and approvals.
• Monitor borrower performance through periodic reviews and account conduct.
• Identify Early Warning Signals and recommend corrective actions.
• Conduct annual reviews and reassess existing credit exposures.
• Analyze industry trends and macro factors affecting borrowers.
• Ensure adherence to internal policies and RBI regulations.
• Coordinate with Business, Legal, Operations, Compliance, and Risk teams.
• Support portfolio reviews and audits to maintain asset quality.

Skills

Credit risk

Financial analysis

SME lending

Mid-Corporate lending

Credit appraisal

Portfolio risk management

Regulatory compliance

Job description

Virtuous Advisors & Resources Pvt. Ltd. Mumbai Posted about 20 hours ago Updated about 20 hours ago

Job Type: FullTimePermanent

Work Mode: Onsite

Experience: SrManagement

Travel Requirements:

Skills:

Supply Chain Management

We are seeking an experienced Associate Vice President (AVP) – Credit Risk to join our Credit Risk team in Kalina, Mumbai. The role is responsible for evaluating and managing credit risk across the SME and Mid-Corporate lending portfolio by conducting comprehensive credit appraisal, financial analysis, and risk assessment.The incumbent will be responsible for evaluating working capital and term lending proposals, assessing borrower creditworthiness, identifying key risks, and recommending prudent lending decisions. The role involves preparing detailed credit appraisal notes, conducting portfolio monitoring, performing financial analysis, and ensuring compliance with internal credit policies and RBI regulatory guidelines.The ideal candidate should possess strong expertise in SME and Mid-Corporate lending, financial statement analysis, working capital assessment, trade finance products, cash flow analysis, and portfolio risk management. The role requires close collaboration with Business, Legal, Operations, Compliance, and Risk teams to facilitate effective credit evaluation while maintaining high asset quality and supporting the organization's overall credit risk framework.Candidates with extensive experience in credit appraisal, commercial banking, corporate credit, structured lending, or SME lending and a sound understanding of banking regulations and credit risk management practices are encouraged to apply.

Responsibilities

• 1. Conduct detailed credit appraisal and risk assessment of SME and Mid-Market borrowers.
• 2. Evaluate working capital and term lending proposals across diverse industries.
• 3. Assess lending facilities including Cash Credit (CC), Overdraft (OD), Term Loans, Bank Guarantees (BG), Letter of Credit (LC), and Trade Finance products.
• 4. Analyze financial statements, including Balance Sheet, Profit & Loss Account, Cash Flow Statement, Fund Flow Statement, and key financial ratios.
• 5. Assess working capital requirements, liquidity, leverage, and debt servicing capabilities.
• 6. Conduct cash flow analysis and financial modelling to evaluate repayment capacity and business sustainability.
• 7. Evaluate management quality, business models, industry outlook, and competitive positioning.
• 8. Identify key risks, strengths, weaknesses, and appropriate mitigants for lending proposals.
• 9. Prepare detailed credit appraisal notes and recommendations for sanctioning authorities.
• 10. Present and defend credit proposals before credit committees and approval authorities.
• 11. Monitor borrower performance through periodic financial reviews, account conduct, and business performance.
• 12. Identify Early Warning Signals (EWS) and recommend corrective actions to mitigate portfolio risks.
• 13. Conduct annual reviews and periodic reassessment of existing credit exposures.
• 14. Analyze industry trends, market developments, and macroeconomic factors impacting borrower performance.
• 15. Ensure adherence to internal credit policies, underwriting standards, and risk management frameworks.
• 16. Maintain compliance with RBI regulations, lending guidelines, and regulatory requirements.
• 17. Coordinate with Business, Legal, Operations, Compliance, and Risk teams during the credit evaluation process.
• 18. Participate in portfolio reviews, audit exercises, and policy enhancement initiatives.
• 19. Support maintenance of strong asset quality through prudent underwriting and effective portfolio monitoring.