The Credit Manager will be responsible for underwriting and credit processing of Working Capital Loan proposals, with a focus on larger-ticket corporate exposures. The role will act as a custodian of the overall credit underwriting process while ensuring quality growth and adherence to credit policies.
Key Responsibilities
- Underwrite and process Working Capital Loan proposals in line with defined credit policies and regulatory guidelines.
- Handle larger-ticket proposals with a minimum ticket size of approximately ₹10 Cr.
- Conduct detailed analysis of financial statements, cash flows, business performance, and repayment capacity.
- Verify KYC, financials, and other relevant documents for completeness and accuracy.
- Review legal, valuation, and due diligence reports as part of the credit assessment process.
- Assess business, financial, industry, and credit risks associated with proposals.
- Ensure quality growth of the credit portfolio while maintaining appropriate risk standards.
- Coordinate with Business, Credit, and other internal stakeholders for smooth processing of proposals.
- Ensure timely completion of credit processes while maintaining underwriting quality.
- Undertake travel to assigned locations as required for business and credit-related activities.
Eligibility Criteria
- 5–6 years of relevant experience in Working Capital Loan underwriting / Credit Analysis.
- Experience in handling large-ticket corporate credit proposals, preferably ₹10 Cr and above.
- MBA / CA qualification is mandatory.
- Strong understanding of financial analysis, credit assessment, working capital products, and risk evaluation.
- Excellent written and verbal communication skills.
- Strong stakeholder management and negotiation skills.
- Willingness to travel as required.
Why Join This Organisation
- Opportunity to work on large-ticket Corporate Banking and Working Capital exposures.
- Exposure to end-to-end credit underwriting and complex corporate proposals.
- Chance to work closely with Business and senior credit stakeholders.
- Strong learning and professional growth opportunities within Corporate Credit.
- Role offering significant ownership in the overall credit underwriting process.