Credit Manager Mid Market Delhi

Intellectual Capital HR Consulting Pvt. Ltd.; New Delhi; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Credit Manager to lead end-to-end credit assessment for corporate clients in the Mid-Market segment.

You will underwrite proposals, perform CAMs, conduct due diligence, and structure facilities while ensuring RBI/KYC compliance and proactive risk management.

Qualifications

• 4–8 years of experience in Corporate/Wholesale Credit (Mid-Market/SME).
• Strong financial analysis and deal presentation skills.
• Excellent communication for stakeholder management.

Responsibilities

• Underwrite new proposals and prepare CAMs.
• Conduct due diligence on borrower, business model and promoters.
• Structure credit facilities (fund-based and non-fund based).
• Monitor portfolio health and identify early warning signals.
• Ensure RBI, KYC compliance and internal audit standards.
• Coordinate with RMs, Sales, and Sanctioning Committee for approvals.

Education

CA, MBA (Finance) or CFA

4–8 years Corporate/Wholesale Credit

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