Credit Manager Mid Market Delhi

Intellectual Capital HR Consulting Pvt. Ltd.; Mumbai; On-site; INR 1,800,000 - 2,400,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. invites experienced credit professionals to lead end-to-end credit assessment for corporate clients in the Mid-Market segment.

The role covers underwriting new proposals, annual reviews, and ensuring portfolio health through rigorous financial analysis and risk mitigation. You will perform CAMs, evaluate business models, structure facilities, and coordinate with RMs, Sales, Operations, and Legal teams.

Qualifications

• CA/MBA Finance or CFA with 4–8 years in corporate/ wholesale credit.
• Strong analytical ability to interpret financial data and market trends.
• Excellent communication for deal presentation and stakeholder management.

Responsibilities

• Underwrite new proposals and conduct annual reviews.
• Perform financial analysis of P&L, balance sheet, cash flows and CAM.
• Coordinate with RMs, Sales, Operations and Legal for documentation.
• Ensure compliance with RBI regulations, KYC norms and internal controls.

Skills

Analytical Prowess

Communication

Financial Analysis

Education

Chartered Accountant (CA)

MBA (Finance)

CFA

Tools

MS Excel

Internal Banking Software

Job description

Role & responsibilities

The Credit Manager is responsible for the end-to-end credit assessment of corporate clients within the Mid-Market segment.This includes underwriting new proposals, conducting annual reviews, and ensuring the health of the wholesale banking portfolio through rigorous financial analysis and risk mitigation.

Key Responsibilities1. Credit Underwriting & Analysis

• Credit Appraisal:Conduct a deep-dive analysis of financial statements (P&L, Balance Sheet, Cash Flows) and prepare detailed Credit Appraisal Memos (CAM).
• Due Diligence:Evaluate the business model, industry dynamics, promoter background, and market standing of the borrower.
• Structuring:Design appropriate credit structures including Fund-based(Working Capital, Term Loans) and Non-fund based(Letter of Credit, Bank Guarantees) facilities.

2. Risk Management & Portfolio Monitoring

• Risk Assessment:Identify potential credit risks and suggest mitigants in alignment with the banks Credit Policy.
• Portfolio Health:Regularly monitor the existing portfolio to identify early warning signals (EWS) and ensure timely interest servicing and account churning.
• Compliance:Adhere strictly to RBI regulations, KYC norms, and internal audit standards.

3. Stakeholder Coordination

• Relationship Management:Coordinate with Relationship Managers (RMs) and the Sales team to understand client needs and gather necessary documentation.
• Approval Process:Present and defend credit proposals to the Sanctioning Committeeor higher approving authorities.
• Operations & Legal:Liaise with the Legal and Technical teams for collateral evaluation and documentation.

Required Skills & Qualifications

• Education:Typically a Chartered Accountant (CA), MBA (Finance) from a premier institute, or CFA.
• Experience:4–8 years of experience in Corporate/Wholesale Credit (specifically Mid-Market or SME segments).
• Analytical Prowess:Strong ability to interpret complex financial data and market trends.
• Communication:Excellent verbal and written communication skills for deal presentation and stakeholder management.
• Tools:Proficiency in MS Excel (for financial modeling) and internal banking software