We are looking to hire a Credit Manager to lead credit evaluation and risk management for Infrastructure / Project Finance exposures. The role involves overseeing credit underwriting, guiding deal structuring, and managing a portfolio of infra assets while ensuring robust risk controls.
Key Responsibilities:
Lead end-to-end credit appraisal for Infrastructure projects and Large Corporate exposures
Review and approve Credit Appraisal Notes (CRANs) with detailed analysis of project viability, cash flows, and risk factors
Drive structuring of transactions in collaboration with business teams, ensuring optimal risk-return balance
Provide guidance on terms & conditions, covenants, and credit risk mitigation strategies
Engage with clients and stakeholders for complex deal discussions and critical information gathering
Monitor the credit portfolio, track performance of underlying projects, and identify early warning signals
Oversee preparation of Monthly / Quarterly Monitoring Reports and ensure adherence to sanction terms
Ensure timely escalation of stressed exposures with clear action plans and resolution strategies
Conduct periodic portfolio reviews and recommend provisioning / risk rating changes where required
Supervise site visits, review inspection reports, and ensure project progress aligns with assumptions
Manage internal audits, compliance requirements, and regulatory guidelines
Candidate Requirements:
Robust experience in Credit Underwriting / Risk Management for Infrastructure / Project Finance
Proven ability to handle large and complex exposures and lead credit decisioning
Deep understanding of project finance structures, concession frameworks, and sector risks (roads, power, renewables, etc.)
Solid financial modeling and analytical skills
CA / MBA (Finance) / CFA
Solid leadership, stakeholder management, and decision-making abilities