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.

- 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 strong 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.

Experience Range: 7 to 10 years

- Experience in underwriting Mid-Market and NBFC transactions.

- Exposure to structured finance, acquisition finance, and project finance.

- Experience in underwriting large-ticket exposures (₹200 Crore and above).

- Robust financial modelling and credit analysis skills.

Qualifications

CA/ MBA Finance

📌 Sr. Credit Manager - Midmarket & NBFC| Hyderabad
🏢 CSB
📍 Hyderabad