VP / Head - Wholesale / Corporate Credit

Role Purpose

To lead the Wholesale/Corporate Credit function of the bank — driving quality credit underwriting, portfolio growth, and risk management for the corporate/wholesale banking book (large corporates, mid-corporates, NBFCs, and structured finance), while ensuring compliance with RBI regulations, internal credit policy, and board-approved risk appetite.

Key Responsibilities

1. Credit Policy & Underwriting
- Own and periodically review the Wholesale/Corporate Credit Policy in line with RBI guidelines, board risk appetite, and market conditions
- Lead independent credit appraisal and underwriting for large-ticket exposures (working capital, term loans, structured finance, trade finance) across corporate and mid-corporate segments
- Ensure robust financial analysis, industry/sector assessment, cash-flow modelling, and covenant structuring for all proposals
- Chair/participate in Credit Committee for approvals within delegated authority; present proposals to the Management Credit Committee/Board Credit Committee as required

2.



Portfolio Management & Risk
- Monitor portfolio quality, concentration risk (sector, group, single borrower), and early warning signals (EWS)
- Drive proactive stress-testing and watchlist management; work closely with the recovery/NPA management team on stressed accounts
- Ensure adherence to prudential exposure norms, sectoral caps, and RBI large exposure framework
- Own portfolio-level metrics: GNPA/NNPA, slippage ratio, credit cost, rating migration, and RAROC

3. Business Partnering & Growth
- Partner with the Wholesale Banking/Corporate Banking business team to enable quality growth in the corporate loan book
- Balance growth objectives with risk discipline; act as a robust second line/independent check on business origination
- Support structuring of complex transactions (syndication, consortium lending, structured/project finance) as needed

4. Governance, Compliance & RBI Interface
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📌 VP/ Head (Mumbai)
🏢 Antal International
📍 Mumbai