Deputy Vice President

Tata AIG General Insurance Company; Mumbai; On-site; INR 3,600,000 - 7,000,000; Full time

Job summary

Tata AIG General Insurance Company in Mumbai seeks an experienced Credit Risk professional to manage large corporate exposures, balancing growth with credit quality, profitability, and risk governance to deliver sustainable outcomes.

The role covers detailed financial analysis, underwriting, portfolio monitoring, and supporting recovery initiatives, while mentoring teams and driving risk excellence across the portfolio.

Qualifications

• 12+ years of experience in Credit Risk, Corporate Underwriting, Banking, Credit Insurance, Rating Agencies, Financial Services, or related sectors.
• Proven experience in large corporate exposures, large-ticket underwriting, and business development/sales.
• Expertise in financial statement analysis, cash-flow assessment, financial modelling, credit appraisal, and portfolio management.

Responsibilities

• Own and deliver annual/quarterly revenue and growth by identifying opportunities across large corporates, financial institutions, and strategic accounts.
• Drive end-to-end corporate credit underwriting through assessment of financials, cash flows, leverage, liquidity and credit risks.
• Lead financial modelling, sensitivity analysis, scenario planning, and present proposals to senior management and credit committees.
• Monitor portfolio performance and credit quality, identify early warning signals and concentration risks, and recommend mitigants.
• Strengthen credit governance, ensure adherence to policies and authorities, and mentor teams to uphold risk excellence.

Skills

Credit risk

Corporate underwriting

Financial analysis

Cash flow analysis

Financial modeling

Portfolio management

Relationship management

Negotiation

Presentation skills

Decision making

Education

MBA / PGDM - Finance

CA

CFA

Job description

About the Role

We are looking for an experienced Credit Risk professional to manage and underwrite large corporate exposures. Balance sales growth, credit quality, portfolio profitability, and risk management to deliver sustainable business outcomes. The role involves detailed financial analysis, credit assessment, portfolio monitoring, and supporting recovery and loss minimization initiatives.

Key Responsibilities

• Own and deliver annual/quarterly revenue, and business acquisition targets by identifying new opportunities across large corporates, financial institutions, and strategic accounts, while driving profitable portfolio growth.
• Drive end-to-end corporate credit underwriting through comprehensive assessment of financial statements, cash flows, leverage, liquidity, profitability, debt servicing capacity, business fundamentals, and key credit risks.
• Lead financial modelling, sensitivity analysis, scenario analysis, and present high-value/complex credit proposals to senior management and credit committees with clear recommendations, risks, and mitigants.
• Monitor portfolio performance and credit quality, proactively identifying Early Warning Signals, concentration risks, and emerging risks, while recommending appropriate risk mitigation and exposure management strategies.
• Strengthen credit governance and risk management practices while ensuring adherence to risk appetite, underwriting policies, and delegated authorities; provide independent credit judgement, lead/mentor teams, and foster a culture of accountability, commercial discipline, and risk excellence.

Desired Profile

• 12+ years of experience in Credit Risk, Corporate Underwriting, Banking, Credit Insurance, Rating Agencies, Financial Services, or related sectors.
• Proven experience in large corporate exposures, large-ticket underwriting, and business development/sales.
• Expertise in financial statement analysis, cash-flow assessment, financial modelling, credit appraisal, and portfolio management.
• Strong senior-level relationship management, negotiation, presentation, and decision-making skills.
• MBA / PGDM - Finance | CA | CFA or equivalent qualification in Finance, Banking, Credit, Risk Management, or related disciplines.