Credit Manager

Intellectual Capital HR Consulting Pvt. Ltd.; Gurugram District; On-site; INR 1,400,000 - 2,200,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Delhi is seeking a Credit Manager for Large Corporates and Infrastructure to lead credit underwriting, financial analysis, and the preparation of detailed credit appraisal notes for lending decisions.

You will assess financial statements, project finances, and industry risks while structuring facilities and ensuring compliance with risk frameworks. The role demands CA qualification with 5+ years in credit underwriting, covering large corporates or

Qualifications

• CA qualification required and mandatory.
• Minimum 5+ years of experience in credit underwriting and credit analysis.
• Experience with Large Corporates and/or Infrastructure credit.

Responsibilities

• Conduct detailed credit underwriting and financial analysis for Large Corporate and Infrastructure clients.
• Prepare comprehensive credit appraisal notes, risk assessment reports, and credit proposals.
• Analyze financial statements, cash flows, balance sheets, and project financials to evaluate creditworthiness.
• Assess industry dynamics, project risks, and business models within the infrastructure sector.
• Structure and evaluate credit facilities, loan terms, covenants, and security structures.
• Work with business teams to understand client requirements and tailor lending proposals.
• Monitor portfolio performance and identify early warning signs and risks.

Skills

Credit underwriting

Financial analysis

Credit appraisal notes

Large corporate credit

Infrastructure credit

Education

Chartered Accountant (CA)

Job description

Job Title: Credit Manager Large Corporates / Infrastructure

Location: Delhi

Job Summary:

We are looking to hire a Credit Manager with experience in Large Corporate and Infrastructure credit. The role will involve credit underwriting, financial analysis, and preparation of detailed credit appraisal notes to support lending decisions for large corporate and infrastructure clients.

Key Responsibilities:

• Conduct detailed credit underwriting and financial analysis for Large Corporate and Infrastructure clients.
• Prepare comprehensive credit appraisal notes, risk assessment reports, and credit proposals.
• Analyze financial statements, cash flows, balance sheets, and project financials to evaluate creditworthiness.
• Assess industry dynamics, project risks, and business models, particularly within the infrastructure sector.
• Structure and evaluate credit facilities, loan terms, covenants, and security structures.
• Work closely with business teams to understand client requirements and structure lending proposals accordingly.
• Monitor portfolio performance and identify early warning signals and potential credit risks.
• Ensure compliance with internal credit policies, regulatory guidelines, and risk frameworks.

Key Requirements:

• Qualification: Chartered Accountant (CA) – Mandatory
• Experience: Minimum 5+ years of experience in credit underwriting, credit analysis, and preparation of credit appraisal notes
• Experience covering Large Corporates and/or Infrastructure credit
• Strong expertise in financial statement analysis, project finance evaluation, and corporate lending structures
• Prior exposure to credit risk assessment in banking or financial institutions