Credit Manager - Large Corporates - Wholesale Banking

Job Title: Credit Manager Large Corporates

Department: Corporate Credit/Wholesale Banking

Location: Mumbai

About the Role:

We are looking to hire a Credit Manager for the Corporate Credit team, focusing on Large Corporate clients. The role involves leading credit evaluation, underwriting decisions, and portfolio monitoring for high-value exposures, while ensuring alignment with internal risk frameworks and regulatory guidelines.

Key Responsibilities:

- Review and approve Credit Appraisal Notes (CRANs) for Large Corporate clients

- Conduct detailed financial analysis, risk assessment, and underwriting of complex credit proposals

- Evaluate group structures, cash flows, industry risks, and creditworthiness of borrowers

- Coordinate with business teams to structure deals in line with risk appetite and policies

- Monitor large exposure accounts and identify early warning signals

- Ensure compliance with sanction terms, internal credit policies, and regulatory norms

- Review periodic portfolio reports and highlight key risks and mitigation strategies

- Handle escalations related to credit decisions and provide timely resolution

- Guide and mentor team members on credit analysis and underwriting practices

- Participate in client meetings, due diligence, and site visits where required

Candidate Profile:

- 6-12 years of experience in Credit Underwriting for Large Corporates

- Strong expertise in financial analysis, credit appraisal, and risk management

- Experience in handling complex and high-value credit exposures

- CA / MBA (Finance) preferred

- Strong leadership, stakeholder management, and decision-making skills

- Excellent communication and presentation abilities