Lead - Credit Risk - Large Corporates

Key Responsibilities:

- Lead the credit risk function for large corporate and mid-market borrowers.

- Conduct detailed credit appraisal of term loans, project finance, infrastructure loans, and structured finance transactions.

- Assess borrower financials, cash flow projections, project viability, industry outlook, and security structure.

- Structure transactions with appropriate covenants, collateral, and risk mitigants.

- Present credit proposals to senior credit committees and obtain approvals.

- Monitor portfolio performance, identify early warning signals, and ensure timely risk reviews.

- Lead and mentor a team of credit analysts/managers.

- Coordinate with business, legal, technical, and compliance teams for end-to-end deal execution.

- Ensure adherence to internal credit policies, regulatory requirements, and portfolio risk appetite.

Preferred Candidate Profile:

- MBA (Finance), CA, CFA, or equivalent qualification.

- 1012 years of experience in corporate credit/risk assessment with a bank, NBFC, or financial institution.

Strong experience in evaluating:

1. Large Corporate Lending

2. Mid-Market Credit

3. Term Loans

4. Infrastructure Finance

5. Project Finance

6. Structured Credit/Structured Finance

- Hands-on experience in financial analysis, cash flow modelling, security evaluation, and covenant structuring.

- Experience in handling a team of credit professionals.

- Strong stakeholder management and presentation skills.