Deputy Manager – Credit Risk – Banking/Financial Services Heron Strategic Consulting

The Corporate Institute; Bengaluru; On-site; INR 600,000 - 1,200,000; Full time

Job summary

The Corporate Institute in Bengaluru is seeking a credit underwriting professional to evaluate end-to-end credit applications and prepare structured appraisals with limit recommendations.

You will monitor portfolio health, manage DPI/DPD metrics, and coordinate collections when required. Expect travel of 25-30% to validate financials on the ground and build trader relationships.

Responsibilities

• Evaluate credit applications end-to-end – financials, trading history, cash flows, and sector-specific risk factors; prepare structured credit appraisals with limit recommendations for review.
• Track credit limit utilization across the active portfolio; process realtime limit adjustment requests tied to harvest and seasonal cycles; flag exceptions and escape to Head of Credit.
• Monitor DPI (Days Past oldest unpaid Invoice) and DPD daily; identify early-warning signals; maintain a live watch list for at-risk accounts and ensure timely escalation.
• Prepare and hand over DPI 120+ accounts to the collections team with complete documentation; track resolution and update portfolio records.
• Compile and validate portfolio data for weekly Business Performance Review sessions; ensure numbers are accurate and variance is explained before the review.
• Apply credit SOPs consistently across all channels; flag policy gaps or edge cases to the Head of Credit; maintain audit-ready credit files for every active customer.
• Travel (25 – 30%) to assess customer operations, validate financial information on the ground, and build direct relationships with key traders.

Job description

Customer Underwriting:

• Evaluate credit applications end-to-end – financials, trading history, cash flows, and sector-specific risk factors; prepare structured credit appraisals with limit recommendations for review.

Limit Monitoring & Adjustments:

• Track credit limit utilization across the active portfolio; process realtime limit adjustment requests tied to harvest and seasonal cycles; flag exceptions and escape to Head of Credit.

Portfolio Health Monitoring:

• Monitor DPI (Days Past oldest unpaid Invoice) and DPD daily; identify early-warning signals; maintain a live watch list for at-risk accounts and ensure timely escalation.

Collections Coordination:

• Prepare and hand over DPI 120+ accounts to the collections team with complete documentation; track resolution and update portfolio records.

BPR Support:

• Compile and validate portfolio data for weekly Business Performance Review sessions; ensure numbers are accurate and variance is explained before the review.

Policy & Governance Execution:

• Apply credit SOPs consistently across all channels; flag policy gaps or edge cases to the Head of Credit; maintain audit-ready credit files for every active customer.

Field Visits:

• Travel (25 – 30%) to assess customer operations, validate financial information on the ground, and build direct relationships with key traders.