Head Credit

Intellectual Capital HR Consulting Pvt. Ltd.; New Delhi; On-site; INR 6,000,000 - 10,000,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Senior Vice President (SVP) – Credit Appraisal to shape loan sanction policies in consultation with Risk and ensure regulatory compliance.

The role oversees end-to-end loan approvals, portfolio monitoring, and recovery strategies, coordinating with Operations for timely disbursements and MIS/audit readiness. Strong leadership and credit risk expertise are essential.

Qualifications

• Post-Graduate MBA/PGDM in Finance or CA/CFA/CMA.
• 18+ years in banking/NBFC with 7+ years in Project/Infrastructure Finance.
• Strong analytical, communication and leadership skills.

Responsibilities

• Formulate and amend business policies related to loan sanction in consultation with Risk.
• Review agenda notes for completeness and regulatory compliance in loan sanction.
• Oversee post-sanction tasks including sanction letters, amendments, and third‑party appointments.
• Provide MIS reports to competent authority and coordinate with auditors for loan account audits.
• Manage loan advances and develop strategies for stressed loans; monitor loan portfolios daily.

Skills

Leadership

Strategic thinking

Risk management

Stakeholder communication

Education

MBA/PGDM in Finance

CA/CFA/CMA

Tools

MS Excel

MS PowerPoint

Job description

Job Title Head Credit

Job Profile

The Senior Vice President (SVP) – Credit Appraisal is responsible for formulating and amending business policies related to loan sanction in consultation with Risk. The incumbent is responsible for ensuring completeness and regulatory compliance in loan sanction agenda. The incumbent will have overall responsibility of management and oversight of timely loan sanctions, monitoring of loan book, implementing effective recovery strategies in case of defaults / stress and coordinating with Operations team for ensuring timely disbursement of funds. The incumbent also oversees post-sanction tasks, facilitates MIS reports and audits.

Primary Job Duties/Responsibilities

The key job duties/responsibilities are enumerated below:

• Preparing and finalizing Business policies and its amendment related to loan sanction in consultation with Risk.
• Reviewing agenda notes for loan sanction with respect to its completeness, meeting the regulatory guidelines and policies requirement.
• Post sanction work like issuance of sanction letter, amendments in terms and conditions, if applicable, Appointment of third parties like LIE/ LFA, if applicable.
• Providing MIS reports to the competent authority as required
• Coordinating with auditors (internal/ Statutory) for timely completion of audit of loan accounts.
• Manage loan advances and develop strategies for addressing cases of stressed loans
• Implement and oversee day-to-day monitoring of loan portfolios, ensuring timely interventions and modifications as investments evolve
• Implement and oversee day-to-day monitoring of loan portfolios, ensuring timely interventions and modifications as investments evolve
• Facilitate seamless transition of projects from due diligence of proposals to loan closure.
• Ensuring compliance to regulatory, policy and SOP requirements related to appraisal of projects / loan proposals, etc.
• Supervising and managing the work assigned to the team
• Ensuring the compliances on the decisions taken by Board Committees & Board time to time related to the functions being handled.
• Any other work assigned by management from time to time

Educational Qualifications

• Candidate should be a post-Graduate with degree in Business Administration (MBA or equivalent PGDM) specialising in Finance or a CA / CFA / CMA.

Experience

• The candidate must have a minimum of at least 18 years of overall experience in a Bank / AIFI / NBFC of which at least 7 years of experience in Project Finance / Infrastructure Finance.
• The candidate should have in-depth understanding of the various infrastructure sectors including the Govt. policy framework, the key issues plaguing the sector, the key players in the sector, their position in the industry, etc.
• Should have in-depth understanding of various aspects of credit risk for assessment of loan proposals.
• Strong analytical and research skills
• IT competence with proficiency in various IT tools/software application required for tracking sectoral credit and reporting of the same. Proficiency in MS excel, MS PowerPoint and other analytical tools
• Should have ability to work in cross functional teams, should be highly committed and able to communicate clearly. Should have good oral and written communication skills
• Experience in building and leading teams
• Proficiency in optimizing portfolio risk and return, improving capital efficiency of the exposures and supporting overall business growth.
• Proven track record of developing credit underwriting and risk assessment skills.