Credit Head - Large Corporates - Banking

Role Overview:

A Head of Credit for Large Corporates leads credit risk evaluation, deal structuring, and portfolio management for high-value corporate clients. This senior role sets risk appetites, ensures regulatory compliance, manages large lending books, and guides teams of underwriters to maintain asset quality.

Key Responsibilities:

- Credit Underwriting & Approval: Appraise high-ticket corporate finance, project finance, and syndicated loan proposals within designated approval authorities.

- Financial & Risk Analysis: Evaluate complex corporate balance sheets, cash flow statements, business models, and industry risk dynamics.

- Portfolio Monitoring: Track portfolio performance, identify early warning signals, and implement proactive risk mitigation or recovery plans.

- Policy & Strategy: Partner with business heads to design customized transaction structures while aligning with internal risk guidelines and external regulatory frameworks.

- Team Leadership: Direct and mentor senior credit analysts and regional underwriting teams.

Candidate Requirements:

- Education: Chartered Accountant (CA), MBA in Finance.

- Experience: 15 - 18 years of progressive experience in corporate banking, wholesale credit risk, or large corporate lending.