Credit Manager Infrastructure

Intellectual Capital HR Consulting Pvt. Ltd.; Hyderabad; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. invites applications for a Credit Manager – Infrastructure / Project Finance.

The role anchors credit evaluation, risk management and deal structuring for infra assets within Wholesale Banking. You will lead underwriting, guide terms and supervise risk controls across a growing portfolio. Ideal candidates possess strong financial modeling capabilities, proven experience in project finance structures, and relevant qualifications (CA/MBA/CFA).

Qualifications

• Experience in credit underwriting and risk management for infrastructure/project finance.
• Ability to handle large/complex exposures and lead credit decisioning.
• Strong financial modeling and analytical skills.

Responsibilities

• Lead end-to-end credit appraisal for infrastructure projects and large corporate exposures.
• Review and approve CRANs with detailed analysis of viability, cash flows and risk factors.
• Drive structuring of transactions with business teams to balance risk and return.
• Provide guidance on terms, covenants and risk mitigation strategies.
• Engage with clients for complex deal discussions and information gathering.
• Monitor credit portfolio and identify early warning signals.

Skills

Credit underwriting

Risk management

Financial modeling

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