To manage credit evaluation and risk assessment activities for the Midmarket and NBFC portfolios by ensuring sound credit underwriting, portfolio quality, risk mitigation, regulatory compliance, and timely credit decision-making that supports sustainable business growth.

Responsibilities

• Independently appraise and evaluate credit proposals and assess the risk of adding transactions to the Bank's loan portfolio.
• Conduct detailed due diligence, identify information requirements, and assess customer business models, industry dynamics, and long-term viability.
• Review financial statements, cash flows, and key credit metrics to assess creditworthiness and identify risks.
• Structure credit facilities and recommend appropriate risk mitigants, covenants, and security arrangements.
• Prepare credit recommendations, identify key risks, and ensure compliance with internal policies, regulatory guidelines, and risk appetite frameworks.
• Ensure credit facilities are appropriately rated, graded, and documented in line with business, audit, and compliance requirements.




• Independently handle complex and large-ticket transactions in Mid-Market and NBFC segments, including structured finance, acquisition finance, and project finance deals.
• Review and evaluate financial models, particularly for project finance and structured credit transactions.
• Build and maintain solid working relationships with Business, Risk, Operations, Legal, and other stakeholders.
• Monitor portfolio quality, support risk management initiatives, and recommend corrective actions based on emerging portfolio trends.
• Drive process improvements, enhance operational efficiency, and contribute to strengthening credit assessment standards.
• Mentor junior team members and act as a subject matter expert for complex credit transactions.

Qualifications

Experience Range: 7 to 10 years
• Experience in underwriting Mid-Market and NBFC transactions.
• Exposure to structured finance, acquisition finance, and

📌 Sr. Credit Manager (Hyderabad)
🏢 CSB Bank
📍 Hyderabad