Credit Manager - Corporate Banking - Large Corporates

Job Title: Credit Manager - Corporate Banking (Large Corporate Segment)

Experience Required: 8 to 12 Years (Candidates with 4-7 years may be considered for a junior role)

Industry: Banking & Financial Services

Client: Private Sector Bank

Role Overview:

- We are looking for a highly motivated and experienced Credit Manager to join the Corporate Banking Division, focusing on the Large Corporate Segment.

- The ideal candidate will be responsible for independently assessing, structuring, and recommending credit proposals, ensuring adherence to risk and compliance frameworks, and supporting business growth through sound credit judgement.

Key Responsibilities:

Credit Analysis & Risk Assessment:

- Independently analyze and evaluate the risk of new credit transactions and renewal proposals for large corporate clients.

- Understand and assess the customer's business model, industry dynamics, and long-term sustainability.

- Analyze historical and projected financial statements to determine the financial soundness and creditworthiness of the borrower.

- Identify key credit and operational risks and suggest appropriate risk mitigants.

- Evaluate alternate credit structures to ensure risk-adjusted returns and recommend optimal structuring.

Credit Structuring & Recommendation:

- Recommend actions to be taken on credit proposals, including pricing, terms, and risk grading.

- Ensure credit facilities are properly risk-rated and aligned with internal credit policies and regulatory guidelines.

- Identify and communicate information requirements and key issues in credit assessments clearly to stakeholders.

Stakeholder Management & Communication:

- Collaborate closely with Relationship Managers, Risk, Legal, Compliance, and Operations teams to facilitate deal execution and monitoring.

- Serve as a key contact point for internal and external stakeholders related to credit matters.

- Personally develop and maintain strong working relationships across teams.

Process Improvement & Leadership:

- Lead or independently handle business-critical projects aimed at improving credit quality, turnaround time, or risk management frameworks.

- Identify inefficiencies in credit processes and proactively implement improvements.

- Provide guidance and support to junior credit officers, acting as a resource and mentor.

Governance & Compliance:

- Ensure adherence to internal credit policy, regulatory norms, and audit standards.

- Meet assigned timelines for credit processing and ensure documentation and record-keeping requirements are in place.

- Demonstrate strong ownership and accountability for allocated work and credit decisions.

Candidate Profile:

- 8 to 12 years of relevant experience in credit underwriting, financial analysis, and risk evaluation in a corporate or commercial banking setup.

- Candidates with 4-7 years of experience may be considered for a junior role.

- Strong analytical and financial modeling skills; ability to interpret complex financial statements and industry trends.

- In-depth understanding of banking products, credit structuring, and regulatory environment.

- Sound judgement, attention to detail, and ability to work independently with minimal supervision.

- Strong interpersonal skills and ability to communicate effectively across levels and functions.

- Educational background in Finance, Commerce, Economics, or related fields. MBA (Finance), CA, or CFA preferred.

Why Join:

- Be part of a high-impact team that plays a critical role in credit decisions for large corporates.

- Opportunity to work in a dynamic, performance-driven environment with leadership exposure.

- Lead strategic initiatives and projects that shape the credit function and risk management framework.