Area Credit Manager - Emerging Corporate

Roles & Responsibilities:

Credit Analysis:

• Conduct detailed credit analysis of proposals and prepare comprehensive credit notes.
• Assess the financial viability, risk profile, and repayment capacity of corporate clients.

Deal Structuring:

• Participate proactively in deal structuring and credit enhancement to facilitate faster deal closures.
• Maintain a balance between business growth objectives and portfolio quality.

Client Engagement:

• Meet new and existing customers regularly to assess financial health and business requirements.
• Build and maintain strong relationships with clients and internal business teams.

Portfolio Monitoring:

• Monitor portfolio performance on a regular basis, focusing on key metrics such as delinquencies, deferrals, and renewals.
• Identify early warning signals in stressed accounts and initiate appropriate corrective measures.
• Ensure continuous oversight for high-value exposures within the assigned region.

Market Intelligence:

• Develop strong market knowledge by engaging with competitors, industry bodies, business associations, and CA firms.
• Leverage market insights to support informed credit decisions and risk mitigation strategies.

Risk Management & Compliance:

• Ensure high-quality underwriting standards and adherence to internal and regulatory policies.
• Minimize audit queries (including RBI and statutory audits) and resolve them within prescribed timelines.
• Support annual reviews and renewals in a timely and compliant manner.