Credit Manager Infrastructure

Intellectual Capital HR Consulting Pvt. Ltd.; Ernakulam; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Mumbai seeks a Credit Manager Infrastructure / Project Finance to lead credit evaluation, risk controls, and deal structuring for infra exposures.

The role requires robust underwriting discipline, strong modeling skills, and ability to guide cross-functional teams through complex financing structures in a high-stakes environment.

Qualifications

• Strong experience in Credit Underwriting / Risk Management for Infrastructure / Project Finance.
• Proven ability to handle large and complex exposures and lead credit decisioning.
• Deep understanding of project finance structures, concession frameworks, and sector risks (roads, power, renewables, etc.).
• Strong financial modeling and analytical skills.
• CA / MBA (Finance) / CFA.
• Strong leadership, stakeholder management, and decision-making abilities.

Responsibilities

• Lead end-to-end credit appraisal for Infrastructure projects and Large Corporate exposures.
• Review and approve Credit Appraisal Notes (CRANs) with detailed analysis of project viability, cash flows, and risk factors.
• Drive structuring of transactions in collaboration with business teams, ensuring optimal risk-return balance.
• Provide guidance on terms & conditions, covenants, and credit risk mitigation strategies.
• Engage with clients and stakeholders for complex deal discussions and critical information gathering.
• Monitor the credit portfolio, track performance of underlying projects, and identify early warning signals.
• Oversee preparation of Monthly / Quarterly Monitoring Reports and ensure adherence to sanction terms.
• Ensure timely escalation of stressed exposures with clear action plans and resolution strategies.
• Conduct periodic portfolio reviews and recommend provisioning / risk rating changes where required.
• Supervise site visits, review inspection reports, and ensure project progress aligns with assumptions.
• Manage internal audits, compliance requirements, and regulatory guidelines.

Skills

Credit underwriting

Risk management

Infrastructure / project finance

Financial modeling

Leadership

Stakeholder management

Education

CA / MBA (Finance) / CFA

Job description

Job Information:

Role: Credit Manager Infrastructure / Project Finance

Department: Wholesale Banking

Location: Mumbai

Role Overview:

We are looking to hire a Credit Manager to lead credit evaluation and risk management for Infrastructure / Project Finance exposures. The role involves overseeing credit underwriting, guiding deal structuring, and managing a portfolio of infra assets while ensuring robust risk controls.

Key Responsibilities:

• Lead end-to-end credit appraisal for Infrastructure projects and Large Corporate exposures
• Review and approve Credit Appraisal Notes (CRANs) with detailed analysis of project viability, cash flows, and risk factors
• Drive structuring of transactions in collaboration with business teams, ensuring optimal risk-return balance
• Provide guidance on terms & conditions, covenants, and credit risk mitigation strategies
• Engage with clients and stakeholders for complex deal discussions and critical information gathering
• Monitor the credit portfolio, track performance of underlying projects, and identify early warning signals
• Oversee preparation of Monthly / Quarterly Monitoring Reports and ensure adherence to sanction terms
• Ensure timely escalation of stressed exposures with clear action plans and resolution strategies
• Conduct periodic portfolio reviews and recommend provisioning / risk rating changes where required
• Supervise site visits, review inspection reports, and ensure project progress aligns with assumptions
• Manage internal audits, compliance requirements, and regulatory guidelines

Candidate Requirements:

• Strong experience in Credit Underwriting / Risk Management for Infrastructure / Project Finance
• Proven ability to handle large and complex exposures and lead credit decisioning
• Deep understanding of project finance structures, concession frameworks, and sector risks (roads, power, renewables, etc.)
• Strong financial modeling and analytical skills
• CA / MBA (Finance) / CFA
• Strong leadership, stakeholder management, and decision-making abilities