Role Objective

The Manager / Senior Manager Risk will be responsible for evaluating and underwriting credit proposals for Working Capital, Structured Finance, Supply Chain Finance and Export Finance products. The role involves assessing borrower and transaction risk, conducting detailed financial and credit analysis, recommending appropriate credit structures, and ensuring sound underwriting decisions while supporting business growth.

Key Skills

• Credit Underwriting
• Risk Assessment & Mitigation
• Portfolio Risk Management
  
  

Key Responsibilities

• Evaluate and underwrite credit proposals for Working Capital, Supply Chain Finance, and Export Finance transactions.
• Analyze financial statements, bank statements, GST returns, cash flows, and business performance to assess creditworthiness.
• Conduct comprehensive risk assessments covering customer, transaction, industry, operational, and fraud risks.
• Conduct detailed due diligence by engaging with promoters, directors and CXOs and performing site visits to operating and manufacturing facilities.
• Assess borrower repayment capacity, working capital requirements, and transaction viability to recommend appropriate credit limits.
• Structure credit proposals, recommend risk mitigation measures, and present cases for approval to the Credit Committee or approving authority.
• Monitor portfolio quality, identify early warning signals, and recommend corrective actions to minimize credit losses.
• Collaborate closely with Business, Operations, and other stakeholders to facilitate timely credit decisions and transaction execution.
• Continuously review underwriting processes and contribute to policy enhancements, automation initiatives, and risk analytics.
• Prepare credit appraisal notes, portfolio MIS, and risk reports for management review.
  
  

Qualifications & Experience

• CA or MBA (Finance).
• 3-7 years of experience in Credit Underwriting, Risk Management, Corporate Credit, Trade Finance, Working Capital Finance, and Supply Chain Finance.
• Prior experience in Banks, NBFCs, or Fintechs.
• Strong understanding of financial statement analysis, credit appraisal, and lending principles.
  
  

Desired Competencies

• Strong analytical and decision-making skills.
• Sound commercial and financial acumen.
• High attention to detail and risk orientation.
• Ability to balance business growth with prudent risk management.
• Strong communication and stakeholder management skills.
• High ownership, accountability, and problem-solving mindset.
  
  

Key Success Metrics

• Credit decision turnaround time (TAT)
• Portfolio quality and delinquency levels
• Approval quality and policy adherence
• Accuracy and completeness of credit assessments
• Reduction in credit losses and fraud exposure
• Stakeholder satisfaction and business support
  
  

(ref:iimjobs.com)