Job Description VP / Head - Wholesale / Corporate Credit n Role Purpose n 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. n Key Responsibilities n 1. Credit Policy & Underwriting n n Own and periodically review the Wholesale/Corporate Credit Policy in line with RBI guidelines, board risk appetite, and market conditions n Lead independent credit appraisal and underwriting for large-ticket exposures (working capital, term loans, structured finance, trade finance) across corporate and mid-corporate segments n Ensure robust financial analysis, industry/sector assessment, cash-flow modelling, and covenant structuring for all proposals n Chair/participate in Credit Committee for approvals within delegated authority; present proposals to the Management Credit Committee/Board Credit Committee as required n n 2. Portfolio Management & Risk n n Monitor portfolio quality, concentration risk (sector, group, single borrower), and early warning signals (EWS) n Drive proactive stress-testing and watchlist management; work closely with the recovery/NPA management team on stressed accounts n Ensure adherence to prudential exposure norms, sectoral caps, and RBI large exposure framework n Own portfolio-level metrics: GNPA/NNPA, slippage ratio, credit cost, rating migration, and RAROC n n 3. Business Partnering & Growth n n Partner with the Wholesale Banking/Corporate Banking business team to enable quality growth in the corporate loan book n Balance growth objectives with risk discipline; act as a solid second line/independent check on business origination n Support structuring of complex transactions (syndication, consortium lending,



structured/project finance) as needed n n 4. Governance, Compliance & RBI Interface n n Ensure full compliance with RBI regulatory guidelines, IRAC norms, and internal audit/RBI inspection requirements n Be the credit function's point of contact for RBI inspections, statutory/internal audits, and regulatory reporting on the wholesale book n Ensure the role and any deputy positions meet RBI Fit & Proper criteria where applicable n n 5. Team & Process Leadership n n Build, mentor, and lead a team of credit analysts/underwriters; strengthen credit assessment capability and turnaround time n Drive process automation/digitization of the credit underwriting and monitoring workflow n Institutionalize credit risk rating models and ensure their periodic validation n n Candidate Profile n Experience: n n 12–22 years of experience in corporate/wholesale credit underwriting and risk management, with at least 5–7 years in a leadership role heading a credit function or a large corporate credit vertical n Prior experience in a private sector bank, PSU bank, NBFC, or SFB with a demonstrable wholesale/corporate credit book n Track record of managing a portfolio through at least one credit cycle (growth and stress phases) n n Qualifications: n n CA / MBA (Finance) / CFA from a recognized institute; additional certification in credit/risk (e.g., FRM) is a plus n n Competencies: n n Strong credit judgment and financial/industry analysis skills n Working knowledge of RBI regulations — IRAC norms, large exposure framework, prudential guidelines n Experience with credit rating models, RAROC frameworks, and structured/project finance n Strong stakeholder management — Board, Risk Committee, business heads, regulators n Team-building and people leadership capability n n RBI Fit & Proper: Candidate must be eligible to meet RBI's Fit & Proper criteria for senior management positions (no adverse regulatory/legal history, requisite experience and qualification thresholds).

📌 VP/ Head - Wholesale / Corporate Credit (Mumbai)
🏢 Antal International
📍 Mumbai