Manager - Credit Risk - Bank

Credit Risk Manager

Job Description:

- The incumbent will be part of the risk team and responsible for Credit Structuring and Credit Risk such that it aligns with the broader risk appetite and objectives of the group experience across Banks / NBFCs / AIFs in handling Credit Underwriting of debt products for SME / Mid Market / Large Corporate customers across multiple sectors

- Understanding of Industry, financial & credit principles

- Strong understanding of financial modelling and analytical skills

- Ability to be a self-starter and think strategically to independently handle the credit analysis for the assigned deals/portfolio and highlight the risks in the same

- Maintain healthy relationships with external and internal stakeholders to achieve team goals

- Ability to understand/ simplify and present complex problems

- Good networking skills across Banks/NBFCs operating in the space

Credit Risk:

- Independently evaluate lending opportunities across the capital structure (senior debt and mezzanine) across multiple sectors (except Real Estate)

- Interact with internal stakeholders (deal team, legal, operations, senior management) and external stakeholders (due diligence teams, promoters, external credit rating agencies, etc.)

- Undertake client unit/plant visit as part of pre-sanction due diligence exercise

- Assist in developing and enhancing proprietary in-house models for credit appraisal across sectors

- Present independent view on deals to senior management and deal sanctioning committee

- On-going monitoring of the portfolio to track Early Warning Signals (EWS) for any possible stress in accounts

- Conduct portfolio analysis and derive at maximum loss potential estimate for the entire portfolio taking into account diversification across various sectors, assets and sub-asset groups

Credit Structuring:

- To work with the deal team to suggest appropriate changes to the deal structure/covenants / terms & conditions in order to minimize risks

- Derive insights from portfolio analysis and incorporate the same in the underwriting standards for new deals