AVP Credit (Financial Institutional Lending)

Job Summary:

We are seeking a highly skilled and analytical Credit folk to join our growing team. The ideal candidate will have 7-10 years of experience in credit underwriting of corporate clients preferably with exposure to Mid-market financial sector and NBFC clients. A background in accounting audit and/or forensic audit will be considered a strong advantage.

Key Responsibilities:

• Perform end-to-end credit underwriting for wholesale and mid-market corporate clients, primarily in the financial sector

• Conduct detailed analysis of financial statements, assess creditworthiness, and identify key business and financial risks.
• Structure and recommend credit facilities in line with internal policies and risk appetite.
• Collaborate with business teams to understand client requirements and ensure appropriate credit structuring.
• Prepare and present comprehensive credit appraisal notes for approval committees.
• Continuously monitor portfolio performance and highlight early warning signals and credit deterioration.
• Ensure compliance with regulatory guidelines, internal credit policies, and documentation standards.
• Leverage experience in accounting audits to assess financial integrity and detect potential red flags.
• Apply forensic audit insights where relevant to identify misrepresentations or financial irregularities.

Qualifications & Experience:

• Chartered Accountant (CA) and/or Chartered Financial Analyst (CFA) preferred.
• 7-10 years of experience in wholesale credit underwriting with a focus on financial sector clients
• Strong understanding of financial analysis, risk assessment methodologies, and credit structuring.
• Strong Excel Skills
• Decent Communication and Interpersonal skills