Credit Manager Infrastructure

Intellectual Capital HR Consulting Pvt. Ltd.; Indore District; On-site; INR 1,500,000 - 2,600,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Credit Manager Infrastructure / Project Finance to lead credit evaluation and risk controls for infra exposures. Based in Mumbai, the role involves underwriting, deal structuring guidance, and portfolio oversight with robust risk management practices.

The candidate will review CRANs, analyse project viability and cash flows, and collaborate with business teams to balance risk and return while ensuring compliance with credit policies.

Qualifications

• Experience in credit underwriting and risk management for Infrastructure / Project Finance.
• Ability to analyze project viability, cash flows and risk factors.

Responsibilities

• Lead end-to-end credit appraisal for Infrastructure projects and Large Corporate exposures.
• Review and approve Credit Appraisal Notes with detailed analyses.
• Drive structuring of transactions in collaboration with business teams.

Skills

Credit underwriting

Risk management

Infrastructure financing

Financial modelling

Leadership

Education

CA / CFA / MBA (Finance)

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