Only Mumbai-based candidates need apply.

The role:

Credit Strategy & Leadership

- Define and drive the overall credit risk strategy aligned with business and investor objectives

- Establish risk appetite, underwriting standards, and portfolio guardrails

- Build and scale the credit risk function, including hiring and mentoring a lean team

Large-Ticket Underwriting & Approval

- Lead end-to-end credit evaluation of large-ticket transactions (- 50-100 Cr+)

- Take final calls / provide recommendations on complex, structured leasing deals

- Evaluate borrower strength, cash flows, sector dynamics, and sponsor quality

- Oversee detailed financial modelling, sensitivity analysis, and stress testing

Deal Structuring & Risk Mitigation

- Design optimal transaction structures balancing risk and return

- Evaluate asset risk (equipment lifecycle, residual value, secondary market liquidity)

- Define security packages, covenants, and credit enhancements

- Drive structuring of operating leases, sale & leaseback, and structured finance solutions

Investor & Stakeholder Management

- Act as the primary credit interface for the US-based fund

- Present investment cases, risk notes, and portfolio insights to investors / IC

- Collaborate with legal, business, compliance, and external advisors

- Ensure alignment between global investor expectations and local market realities

Portfolio Risk Management

- Oversee portfolio quality, concentration risks, and exposure limits

- Monitor early warning signals (EWS) and lead resolution strategies

- Conduct periodic portfolio reviews, stress testing, and scenario analysis

- Guide actions on restructuring, exits, or recoveries if required

Governance, Processes & Compliance

- Build and institutionalize credit policies, SOPs, and risk frameworks

- Ensure adherence to investor guidelines, regulatory expectations, and internal controls

- Set up robust MIS, dashboards, and reporting mechanisms

- Drive continuous improvement in credit processes and turnaround times

What we are looking for:

Qualification - CA/MBA

- 15-20 years in credit risk / structured finance / corporate lending

- Proven leadership experience in NBFCs, banks, leasing firms, or credit funds. Experience in equipment leasing will be a huge plus.

- Strong track record in handling large-ticket exposures (- 50 Cr+ deals)

- Experience in building or leading a credit function/team

Core Competencies

- Deep expertise in credit underwriting and financial analysis

- Strong understanding of equipment leasing / asset-backed lending

- Advanced skills in deal structuring and risk mitigation

- Ability to balance growth vs. risk in a high-value deal environment

- Strong stakeholder management and investor communication skills

Location - Mumbai (only Mumbai-based candidates need apply)

CTC - upto 60 L