Credit Manager

Intellectual Capital HR Consulting Pvt. Ltd.; Mumbai; On-site; INR 2,400,000 - 4,000,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Mumbai is seeking a Credit Manager for the Corporate Credit team, focusing on Large Corporate clients.

You will lead credit evaluations, underwriting decisions, and portfolio monitoring for high-value exposures. Candidates should have 6–12 years of experience in credit underwriting for large corporates, and strong financial analysis, risk management, and leadership skills.

Qualifications

• 6–12 years of experience in Credit Underwriting for Large Corporates.
• Strong financial analysis, credit appraisal and risk management.
• CA or MBA in Finance preferred.

Responsibilities

• Review and approve Credit Appraisal Notes (CRANs) for Large Corporate clients.
• Conduct detailed financial analysis, risk assessment, and underwriting of complex credit proposals.
• Evaluate group structures, cash flows, industry risks, and creditworthiness of borrowers.
• Coordinate with business teams to structure deals in line with risk appetite and policies.
• Monitor large exposure accounts and identify early warning signals.
• Ensure compliance with sanction terms, internal credit policies, and regulatory norms.
• Review periodic portfolio reports and highlight key risks and mitigation strategies.
• Handle escalations related to credit decisions and provide timely resolution.
• Guide and mentor team members on credit analysis and underwriting practices.
• Participate in client meetings, due diligence, and site visits where required.

Skills

Credit underwriting

Financial analysis

Risk management

Stakeholder management

Leadership

Presentation skills

Education

CA

MBA (Finance)

Job description

Job Title: Credit Manager Large Corporates
Department: Corporate Credit
Location: Mumbai

About the Role:
We are looking to hire a Credit Manager for the Corporate Credit team, focusing on Large Corporate clients. The role involves leading credit evaluation, underwriting decisions, and portfolio monitoring for high-value exposures, while ensuring alignment with internal risk frameworks and regulatory guidelines.

Key Responsibilities:

• Review and approve Credit Appraisal Notes (CRANs) for Large Corporate clients
• Conduct detailed financial analysis, risk assessment, and underwriting of complex credit proposals
• Evaluate group structures, cash flows, industry risks, and creditworthiness of borrowers
• Coordinate with business teams to structure deals in line with risk appetite and policies
• Monitor large exposure accounts and identify early warning signals
• Ensure compliance with sanction terms, internal credit policies, and regulatory norms
• Review periodic portfolio reports and highlight key risks and mitigation strategies
• Handle escalations related to credit decisions and provide timely resolution
• Guide and mentor team members on credit analysis and underwriting practices
• Participate in client meetings, due diligence, and site visits where required

Candidate Profile:

• 6–12 years of experience in Credit Underwriting for Large Corporates
• Strong expertise in financial analysis, credit appraisal, and risk management
• Experience in handling complex and high-value credit exposures
• CA / MBA (Finance) preferred
• Strong leadership, stakeholder management, and decision-making skills
• Excellent communication and presentation abilities