Lead - Credit - Wholesale Banking

Role Overview:

The incumbent will be responsible for leading and managing the credit function for the Wholesale Banking business across India. This includes evaluation, sanction, and monitoring of credit proposals across Large Corporates, Mid-Corporates, Financial Institutions, and other wholesale banking segments. The role involves driving credit quality, ensuring adherence to risk and compliance standards, and supporting business growth through sound credit decisions.

Key Responsibilities:

- Lead the credit appraisal process for the Wholesale Banking portfolio across Pan India.

- Evaluate and approve credit proposals within delegated authority; recommend cases beyond authority to higher committees.

- Conduct detailed financial, business, and industry analysis for new and existing clients.

- Partner with Relationship Managers and Product Teams to structure credit facilities aligned with the bank's risk appetite.

- Oversee the preparation of detailed credit notes and presentations for sanctioning authorities.

- Ensure portfolio quality through proactive monitoring, early warning identification, and timely corrective actions.

- Drive adherence to internal credit policy, regulatory guidelines, and audit requirements.

- Support portfolio reviews, stress testing, and risk segmentation exercises.

- Provide strategic guidance to zonal/cluster credit teams and mentor credit managers.

- Collaborate with Risk, Compliance, Legal, and Operations teams for end-to-end credit management.

- Contribute to policy formulation, process improvements, and digitization initiatives within the credit function.

Key Skills and Competencies:

- Strong understanding of credit underwriting for corporate and institutional clients.

- In-depth knowledge of financial statement analysis, cash flow assessment, and risk evaluation.

- Familiarity with banking products such as working capital, term loans, structured finance, NCDs, and trade finance.

- Sound understanding of RBI regulations, Basel norms, and internal risk rating models.

- Excellent stakeholder management and leadership skills.

- Ability to make data-driven and time-sensitive credit decisions.

Qualifications and Experience:

- Chartered Accountant / MBA (Finance) or equivalent qualification.

- 15-25 years of experience in Credit / Risk functions within Wholesale or Corporate Banking.

- Prior experience in leading Pan-India or multi-location credit teams preferred.