Sr. Credit Manager - Midmarket & NBFC| Mumbai

CSB Bank; Mumbai; On-site; INR 2,500,000 - 4,200,000; Full time

Job summary

CSB Bank seeks an experienced credit risk professional to independently analyze risks before adding transactions to the loan portfolio. You will assess customer viability, financial strength, and possible alternative structures, while aligning with audit requirements.

Role requires underwriting of large deals (≥ 200 crs), strong modeling skills, and leadership in critical projects with minimal supervision.

Qualifications

• CA/MBA Finance with 7–10 years of experience in banking/finance.
• Experience underwriting big-ticket cases in Mid Corporate & NBFC segments.
• Strong understanding of structured deals, acquisition finance, and project finance.
• Ability to model financials and fine-tune models for project finance.

Responsibilities

• Independently analyzes and evaluates risk for adding transactions to Bank's loan portfolio.
• Identify information requirements to properly assess risks.
• Assess customer's business model and long-term viability.
• Review financial strength and soundness to identify credit risks.
• Recommend actions on credit and ensure proper risk grading.
• Ensure credit facilities are properly documented and meet timelines.
• Develop relationships with stakeholders and lead critical projects.
• Improve process efficiency by identifying and addressing inefficiencies.

Education

CA/MBA Finance

Job description

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Job Description

Independently analyzing and evaluating the risk of proposed exposure to Bank's loan portfolio

Responsibilities

• Independently analyses and evaluate the risk of adding a particular transaction to the bank's loan portfolio.
• Identify additional information requirements needed to properly assess risks of the transaction
• Understand and assess the customer's business model and its viability in the long run
• Review and analyse the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business
• Considers alternative credit structures to mitigate risk where appropriate
• Recommend action to be taken on credit, identifies key risks and information requirements
• Ensure that credit facilities presented are properly graded
• Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements
• Work independently with limited supervision. Serves as a resource for less experienced Credit Officers.
• Personally develop and maintain strong working relationships with Stakeholders
• Lead/ independently handle the business critical projects
• Improve the operational efficiency and effectiveness of the process by identifying inefficiencies and taking action to resolve the same
• Develop critical thinking, gain new insights and thinking out of the box to improve on the delivery of services to our stakeholders
• Assume ownership of the allocated work.
• Having good understanding of underwriting big ticket cases in Mid Corporate & NBFC segments.
• Should have underwritten deals with minimum exposure of 200 crs.
• Knowledge and understanding towards structured deals, acquisition finance, project finance.
• Ability of comprehend and fine tune financial models in case of project finance deals

Qualifications

Qualifications: CA/ MBA Finance

Experience: 7 to 10 years

Job Info

• Job Identification 1076080
• Posting Date 06/19/2025, 12:00 AM