Credit Manager - Corporate & Investment Banking - CA

Purpose of the Role

The incumbent will be responsible for day-to-day management of the Credit Risk function, ensuring adherence to the MNC Banks risk appetite and regulatory compliance. This role involves independent credit assessment, recommendation of credit cases, monitoring compliance with credit-related requirements, and maintaining robust credit risk governance across the India branches.

Key Responsibilities

- Independently assess, evaluate, and recommend credit cases in line with the Banks risk appetite across products, client types, and industries.

- Complete thorough credit risk evaluations for corporate finance and structured transactions, including term and trade credit deals.

- Ensure all credit facilities are prepared, reviewed, and approved as per internal policies and regulatory exposure limits.

- Act as the custodian of the Credit Policies and Procedures for India Branches; propose necessary amendments and ensure smooth implementation of approved changes.

- Provide advisory support to Business Units and other stakeholders on credit-related matters, helping structure transactions to mitigate credit risk.

- Monitor and report risk exposures originating from business units to the Head Office, highlighting any material deviations from set parameters.

- Coordinate with regulatory authorities and external auditors, ensuring smooth conduct of audits and inspections focused on credit risk management.

- Support regulatory and compliance matters related to Credit Risk and maintain updated knowledge of RBI regulations and guidelines.

- Perform additional duties as assigned by supervisors from time to time, supporting the broader Risk Management function.

Candidate Profile

Educational Qualifications

Chartered Accountant (CA) Mandatory

Professional Experience

- 1113 years of experience in Credit Risk Management within the Corporate or Investment Banking sector at a reputed Bank.

- Strong technical expertise in credit approval processes, credit risk systems, controls, and governance frameworks.

- Hands-on experience in evaluating large corporate exposures, complex credit structures, and risk mitigation techniques.

Technical Skills

- Sound understanding of Indian Company Law, Banking Law, RBI Master Directions, and credit risk regulatory framework.

- Knowledge of legal recovery processes and enforcement actions in India.

- Proficient in MS Office tools (Excel, Word, PowerPoint) for documentation and reporting.

Behavioral Skills

- Strong verbal and written communication skills; ability to influence stakeholders across levels and geographies.

- Ability to collaborate effectively across cross-functional and multicultural teams.

- High attention to detail, risk awareness, and a structured approach to problem-solving.

Note:

We will be connecting with suitable candidates. For others, well keep your profile in consideration for future opportunities.