Manager – Credit Risk (Non-Quant)

A Leading Financial Services Group is seeking a highly analytical Manager – Credit Risk (Non-Quant) to join its corporate lending division. In this pivotal role, you will be responsible for evaluating the fundamental creditworthiness of mid and large corporate borrowers. Furthermore, you will perform deep-dive qualitative and financial appraisals, examining business models, management quality, and structural cash flows. Consequently, this position is vital for protecting the institution’s capital and supporting healthy underwriting decisions.

The Manager – Credit Risk (Non-Quant) must bridge the gap between relationship management demands and prudent risk governance. Additionally, you will conduct detailed sector research to identify structural stress points and early warning signs across various economic landscapes. Therefore, the company is looking for a professional with strong financial statement interpretation and credit proposal drafting skills. If you are a CA or MBA Finance professional with a keen eye for business risk, this Manager – Credit Risk role offers a premier career path.

Key Responsibilities

• Conduct end-to-end credit appraisals of corporate and institutional issuers across diverse industries.
• Analyze complex financial statements, examining cash flow viability, leverage metrics, and key balance sheet ratios.
• Evaluate qualitative risk factors, including management capability, corporate governance, and market position.
• Prepare detailed credit notes and investment proposals with structured covenants, limit allocations, and spread guidance.
• Monitor the existing corporate portfolio to spot refinancing risks, rating changes, and covenant breaches.
• Maintain a dynamic watch-list based on early warning indicators and recommend proactive mitigation steps.
• Prepare comprehensive credit committee decks, outlining investment rationales and risk-return balances.
• Ensure strict adherence to internal credit policies, corporate exposure norms, and statutory banking guidelines.
• Liaise with statutory auditors and internal audit teams to close operational credit compliance observations.
• Collaborate with investment front-office teams to optimize corporate debt portfolio quality.

Requirements and Qualifications

• Chartered Accountant (CA), CFA Charterholder, or MBA in Finance from a premier business school.
• 2 to 6 years of experience in credit research, corporate underwriting, or risk analysis within banks or NBFCs.
• Advanced mastery of fundamental financial statement analysis and cash flow modeling techniques.
• Solid understanding of the Indian fixed income market, corporate debt instruments, and regulatory norms.
• Excellent documentation and presentation capabilities, with advanced command of MS Excel and PowerPoint.