Credit Manager SME

Intellectual Capital HR Consulting Pvt. Ltd.; New Delhi; On-site; INR 2,000,000 - 3,600,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Credit Manager for the SME Credit team in Mumbai.

The role involves leading credit evaluation, underwriting decisions, and portfolio monitoring for SME clients, while ensuring adherence to internal risk frameworks and regulatory guidelines. The candidate will review CRANs, conduct risk assessments, mentor analysts, structure proposals per risk policies, and monitor portfolio performance with proactive risk signaling.

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

Portfolio monitoring

Leadership

Analytical abilities

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