We’re Hiring: Credit Manager

Location: Andheri East, Mumbai (On-site)
Company: GrowthAlly Advisors Pvt. Ltd.

About Us

GrowthAlly Advisors Pvt. Ltd. is a reputed Investment Banking and Advisory firm with over 15 years of experience in India’s financial services ecosystem. With the launch of our SEBI-registered Alternative Investment Fund (AIF) and Credit Fund, we are expanding our Debt Department and seeking a seasoned Credit Manager to lead credit evaluation and portfolio monitoring for retail, SME, and corporate lending.

Position Details

- Department: Debt Department / Debt Syndication

- Designation: Credit Manager

- Experience: 1–5 years

- Employment Type: Full-Time

- Reporting To: Team Leader / Head – Debt

- Work Location: Andheri East, Mumbai (On-site)

Key Responsibilities – Credit Manager (Fund Raising & Investment Banking Advisory)

- Credit Evaluation & Financial Analysis

- Conduct comprehensive credit assessments of clients, including detailed analysis of financial statements, cash flows, and business models.

- Evaluate creditworthiness through ratio analysis, sensitivity analysis, and risk assessment frameworks aligned with lender expectations.

- Financial Modeling & Credit Structuring

- Develop robust financial models to assess debt capacity, repayment ability, and optimal capital structure.

- Support structuring of debt transactions, including term loans, working capital facilities, and structured finance solutions.

- Fund Raising & Debt Syndication Support

- Collaborate with investment banking teams to execute debt fund-raising mandates.

- Assist in preparation of lender presentations, information memorandums, and financial data packs.

- Lender Engagement & Relationship Management

- Liaise with banks, NBFCs, and financial institutions for credit appraisal, sanction processes, and negotiations.

- Manage ongoing relationships with lenders to facilitate smooth execution of transactions.





- Credit Documentation & Due Diligence

- Support preparation and review of credit proposals, sanction notes, and term sheets.

- Coordinate with legal, compliance, and diligence teams to ensure seamless closure of transactions.

- Credit Monitoring & Compliance

- Oversee preparation and submission of Credit Monitoring Reports (CMRs), stock statements, and other lender-required submissions.

- Ensure compliance with loan covenants, sanction conditions, and regulatory requirements.

- Risk Assessment & Portfolio Monitoring

- Identify key credit risks and recommend mitigation strategies.

- Monitor portfolio performance, flag early warning signals, and track deviations from projections.

- Working Capital & Cash Flow Analysis

- Analyze working capital cycles and cash flow trends to assess liquidity and operational efficiency.

- Advise clients on optimizing cash flows to enhance credit profile and borrowing capacity.

- MIS & Reporting

- Develop and maintain credit MIS dashboards for internal tracking and lender reporting.

- Provide periodic updates to senior management on deal status, credit risks, and pipeline.

- Stakeholder Coordination

- Act as a key interface between clients, lenders, internal deal teams, and external advisors.

- Support senior leadership in negotiations and closure of financing transactions.

- Regulatory & Governance Compliance

- Ensure adherence to internal policies, regulatory frameworks, and best practices in credit evaluation and lending processes.

- Stay updated on evolving credit norms, RBI guidelines, and market trends.

Ideal Candidate Profile

- CA or MBA (Finance) or equivalent qualification with relevant experience in credit analysis, corporate banking, or advisory

- Robust understanding of financial statements, credit risk, and debt structuring

- Experience in fund raising, debt syndication, or banking environment preferred

- Proficiency in financial modeling and advanced Excel

- Excellent communication, analytical, and stakeholder management skills

📌 Credit Manager/Analyst (Mumbai)
🏢 Growthally
📍 Mumbai