Vice President - Credit PMO - Lending/Ratings & Collateral

Job Title: Vice President - Credit PMO (Lending, Ratings & Collateral)

We are looking for an experienced professional with 10+ years in credit risk management, financial modeling, and collateral valuation. The ideal candidate will have a strong background in credit analysis, risk assessment, and financial products, including revolving credit facilities and term loans. An MBA in Finance and exceptional analytical skills are required.

Location: Mumbai/Bangalore

Experience: 10+ years

Job Responsibilities:

- Develop annual credit risk reports and financial models based on in-depth fundamental analysis for assigned companies/credits.

- Conduct comprehensive assessments of credit strengths and weaknesses, including business and financial risk profiles, the influence of sovereign or parental support, and updating detailed financial models with capital structure analysis, key credit metrics, and financial forecasts.

- Recommend credit ratings for entities using the internal rating framework and methodology.

- Possess a solid understanding of both funded and unfunded credit risk mitigation strategies.

- Update collateral valuations and associated data to produce collateral valuation reports/scorecards.

- Review servicer reports to assess collateral eligibility, covenant compliance, data accuracy, and Borrowing Base coverage. Monitor asset performance and identify any signs of deterioration.

- Evaluate the impact of parental support, BASEL-eligible guarantees, and partial support on subsidiary ratings, providing a thorough analysis of support providers.

- Continuously monitor and manage the assigned client portfolio, escalating any potential credit issues in a proactive and timely manner.

- Assist the Portfolio Manager with requests from senior management, internal audits, and regulatory bodies.

- Support stress testing, CCAR, and other internal risk management processes.

Qualifications:

- MBA in Finance

Required Skills:

- Team Management( at least 3-5 yrs leading team)

- Bachelor's degree in Finance, Accounting, Economics, or Business Administration (preferred).

- Strong analytical and report writing skills with a keen eye for detail and a commitment to quality.

- Demonstrated experience in financial product lifecycles, including revolving credit facilities, term loans, bridge financing, bonds, and asset-based lending.

- Extensive experience in credit monitoring and analysis, including the calculation of key credit metrics, PD/LGD calculations, surveillance/Early -Warning Indicators (EWI), and financial modeling.

- Good understanding of bank policies, underwriting standards, and internal risk management systems.

- Strong analytical and problem-solving abilities.