Credit Manager Mid Market Delhi

Intellectual Capital HR Consulting Pvt. Ltd.; Pune District; Sur place; INR 1 400 000 - 2 200 000; Plein temps

Résumé du poste

Intellectual Capital HR Consulting Pvt. Ltd., Pune, seeks a Credit Manager to oversee end-to-end credit assessment for mid-market corporate clients, including underwriting new proposals and annual reviews.

You will analyze financial statements, structure facilities (fund-based and non-fund based), monitor portfolio health for RBI/KYC compliance, and coordinate with RMs, Sales, Operations and Legal to secure timely approvals.

Qualifications

• CA/MBA/CFA degree required.
• 4–8 years of experience in corporate/wholesale credit (mid-market/SME).
• Strong ability to interpret complex financial data and market trends.
• Excellent verbal and written communication skills for deal presentation and stakeholder management.

Responsabilités

• Credit underwriting & analysis: perform in-depth financial statement analysis and CAM preparation.
• Due diligence: evaluate business model, industry dynamics, and borrower background.
• Structuring: design fund-based and non-fund-based facilities.
• Risk management & portfolio monitoring: assess risks and ensure RBI/KYC compliance and timely servicing.
• Stakeholder coordination: liaise with RMs, Sales, Operations and Legal for approvals and documentation.

Connaissances

Analytical Prowess

Communication

Formation

CA or MBA in Finance

CFA

Outils

MS Excel

Banking software

Description du poste

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