Director - Underwriting - CA/CFA/IIM/FMS/MDI/XLRI

Key Responsibilities

- Lead end-to-end underwriting and evaluation of acquisition and financing opportunities across manufacturing-focused MSMEs and mid-market companies.

- Assess business quality, financial performance, cash flow generation, leverage capacity, working capital cycles and repayment ability.

- Analyze industry dynamics, competitive positioning, cost structures, operating metrics and manufacturing benchmarks.

- Evaluate promoter quality, governance standards, management capability, succession risks and long-term business sustainability.

- Prepare detailed underwriting notes, credit recommendations and investment evaluation reports for senior management review.

- Identify key transaction risks and recommend appropriate structuring, covenants, collateral coverage and risk mitigants.

- Conduct financial analysis, sensitivity assessments and downside scenario evaluations.

- Monitor portfolio performance and proactively identify emerging risks and opportunities.

- Lead, mentor and develop a team of analysts and underwriters.

- Drive underwriting discipline, process excellence and turnaround efficiency across the evaluation function.

Desired Candidate:

- Qualifications - CA, CFA, or MBA from a Tier-I institution.

- Experience - 10-15 years of experience in Commercial Banking, Corporate Banking, Wholesale Banking, MSME Banking, Credit Risk, Structured Lending or NBFC underwriting.

- Proven experience underwriting a high volume of MSME and mid-corporate transactions.

- Experience evaluating businesses with revenues ranging from - 50 crore to - 400 crore.

- Team management experience preferred.