Job DescriptionVP / Head - Wholesale / Corporate Credit
nRole Purpose
nTo 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.
nKey Responsibilities
n1. Credit Policy & Underwriting
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- Own and periodically review the Wholesale/Corporate Credit Policy in line with RBI guidelines, board risk appetite, and market conditionsn
- Lead independent credit appraisal and underwriting for large-ticket exposures (working capital, term loans, structured finance, trade finance) across corporate and mid-corporate segmentsn
- Ensure robust financial analysis, industry/sector assessment, cash-flow modelling, and covenant structuring for all proposalsn




- Chair/participate in Credit Committee for approvals within delegated authority; present proposals to the Management Credit Committee/Board Credit Committee as requiredn

n2. Portfolio Management & Risk
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- 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 accountsn
- Ensure adherence to prudential exposure norms, sectoral caps, and RBI large exposure frameworkn
- Own portfolio-level metrics: GNPA/NNPA, slippage ratio, credit cost, rating migration, and RAROCn

n3. Business Partnering & Growth
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- Partner with the Wholesale Banking/Corporate Banking business team to enable quality growth in the corporate loan bookn
- Balance growth objectives with risk discipline; act as a robust second line/independent check on business originationn
- Support structuring of complex transactions (syndication, consortium lending, structured/projec

📌 VP/ Head (Mumbai)
🏢 Antal International
📍 Mumbai