Credit Manager SME

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

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in Mumbai is seeking a Credit Manager for the SME Credit team to lead credit evaluation, underwriting decisions, and portfolio monitoring for SME clients in compliance with risk frameworks and regulations.

The role requires strong experience in credit appraisal, risk assessment, and portfolio monitoring, with leadership skills to guide junior analysts and coordinate with business teams on structured proposals and risk reporting.

Qualifications

• 5–10 years of experience in Credit Underwriting (SME or Large Corporate segment)
• Strong experience in credit appraisal, risk assessment, and portfolio monitoring
• CA / MBA (Finance) preferred
• Strong leadership and team management skills
• Excellent analytical, communication, and decision-making abilities

Responsibilities

• Review and approve Credit Appraisal Notes (CRANs) for SME clients
• Conduct detailed credit risk assessment and take underwriting decisions within delegated authority
• Guide and mentor junior analysts on financial analysis and credit evaluation
• Coordinate with business teams to structure proposals in line with risk policies
• Monitor portfolio performance and identify early warning signals
• Ensure compliance with sanction terms, internal policies, and regulatory requirements
• Review monthly/quarterly portfolio monitoring reports and highlight key risks
• Handle escalations related to credit and risk assessments and provide resolution
• Conduct client visits and oversee preparation of inspection reports

Skills

Credit Underwriting

Credit Appraisal

Financial Analysis

Leadership

Communication

Decision Making

Education

CA

MBA Finance

Job description

Job Title: Credit Manager SME
Department: SME Credit
Location: Mumbai

About the Role:
We are looking to hire a Credit Manager for the SME Credit team. The role involves leading credit evaluation, underwriting decisions, and portfolio monitoring for SME clients, while ensuring adherence to internal risk frameworks and regulatory guidelines.

Key Responsibilities:

• Review and approve Credit Appraisal Notes (CRANs) for SME clients


• Conduct detailed credit risk assessment and take underwriting decisions within delegated authority


• Guide and mentor junior analysts on financial analysis and credit evaluation


• Coordinate with business teams to structure proposals in line with risk policies


• Monitor portfolio performance and identify early warning signals


• Ensure compliance with sanction terms, internal policies, and regulatory requirements


• Review monthly/quarterly portfolio monitoring reports and highlight key risks


• Handle escalations related to credit and risk assessments and provide resolution


• Conduct client visits and oversee preparation of inspection reports

Candidate Profile:

• 5–10 years of experience in Credit Underwriting (SME or Large Corporate segment)


• Strong experience in credit appraisal, risk assessment, and portfolio monitoring


• CA / MBA (Finance) preferred


• Strong leadership and team management skills


• Excellent analytical, communication, and decision-making abilities