Senior Credit Manager - Renewable Energy Sector

Position Overview

We are seeking a highly experienced Senior Credit Manager with 12-15 years of experience in credit roles, particularly in underwriting corporate and SME loans. The ideal candidate will have a strong financial services background in fast-paced environments such as large private banks and/or Non-Banking Financial Companies (NBFCs).

Knowledge of the latest credit assessment and evaluation tools/platforms is essential. Knowledge of financing products like Leasing (Operating and Financial Leases), plant and machinery financing (capex loans), project financing is important.

• The candidate should have experience in leading teams.
• Familiarity with the renewable energy sector such as solar rooftop, energy efficiency is a plus but not mandatory.
• Key Responsibilities:

• Loan Underwriting: Analyze and underwrite loans for corporate and SME clients, ensuring compliance with internal credit policies and regulatory requirements.
• Credit Assessment: Conduct thorough assessments of creditworthiness using financial statements, credit reports, Bank statements, GST reports and market analysis.
• Team Leadership: Lead and mentor a team of credit analysts, fostering a collaborative environment that encourages professional development.
• Technology Utilization: Leverage advanced technology tools for credit evaluation and risk assessment to enhance decision-making processes.
• Portfolio Management: Monitor and manage an assigned portfolio of loans, identifying potential risks and implementing strategies to mitigate them.
• Client Interaction: Maintain strong relationships with clients, conducting regular meetings to discuss their financial performance and address any concerns.
• Reporting: Prepare detailed reports and presentations for senior management regarding credit decisions, portfolio performance, and market trends.

Qualifications:

• Bachelor's degree in Finance, Business Administration, or a related field; an MBA or relevant certification is preferred.
• 12-15 years of experience in credit analysis or underwriting within banking or financial services.
• Proven track record of leading teams and managing complex credit portfolios.
• Strong analytical skills with the ability to interpret financial data effectively.
• Familiarity with regulatory requirements related to lending practices.
• Experience in the renewable energy sector is advantageous but not required.