Credit Manager

Role – General Manager / Associate Director

Location - Mumbai

About the Team :

Credit team facilitates lending to existing & new clients by assessing creditworthiness, monitoring clients’ performance on a regular basis, and making suitable recommendations to the credit committees.

The team is expected to do a deep dive financial analysis of customers, regularly meet / interact with the stakeholders of borrowers, keep regular track of key performance milestones, be cognizant of & follow internal policies & processes, and present findings / recommendations to internal committees in timely & concise manner.

About the Role : The role would be alight with the Credit team’s responsibilities, along with a specific focus on real estate transactions. The designated person would have the responsibility for underwriting, risk assessment, portfolio monitoring, and supporting business development for lending against real estate collateral, including land, residential, commercial, and construction finance. The position demands a grasp of real estate credit evaluation, understanding of micro-market factors, and strong connects in peer space.

Key Responsibilities :

• Independently prepare comprehensive credit assessment (covering macro-overview, industry / sector, competitor, business, financial and credit analysis) of clients on continuous basis through desk review and on-field diligence and monitoring;

keep a close watch on allocated portfolio clients. It also includes preparation of detailed proposal notes for internal circulation.

Qualifications :