Job Title:  Manager | Credit Underwriting | Delhi | Regulatory & Financial Risk

Your work profile

As an Manager in our team you’ll build and nurture positive working relationships with teams and clients with the intention to exceed client expectations: -

We are seeking an experienced Credit Underwriter / Credit Underwriting Analyst to evaluate and approve credit applications across retail, SME, commercial, or corporate lending portfolios. The role involves conducting in-depth financial analysis, assessing borrower creditworthiness, evaluating collateral and covenant structures, and ensuring alignment with internal credit policies and regulatory guidelines. The ideal candidate will collaborate closely with business, credit risk, and operations teams to deliver high-quality underwriting decisions that support sound portfolio growth. 

Key Responsibilities: 

• Perform comprehensive credit assessments, including financial analysis, business evaluation, peer benchmarking, and ESG review, with emphasis on corporate clients.
• Prepare underwriting papers, credit notes, renewal proposals, and new-money requests by synthesizing borrower financials, sector data, and internal risk guidelines.
• Contribute analytical insights during deal discussions and credit committee/approval forums.
• Support Business with financial spreading, data verification, documentation checks, and portfolio-related queries.
• Coordinate with Legal and Operations to ensure facility and security documentation is accurate and compliant with approved terms.
• Monitor portfolio performance through covenant tracking, exposure review, early-warning indicators, and adherence to approval conditions; escalate deviations when required.
• Conduct sector and counterparty research, including climate-risk and sustainability-related assessments.
• Tenured professionals to lead the credit underwriting team by allocating work, reviewing outputs, coaching analysts, and enhancing overall credit-writing capability.
• Provide guidance on deal structuring and collaborate with RMs, Risk, Legal, and Operations to finalise covenants, terms, and execution requirements.
• Maintain clear communication with business, risk, and support teams to ensure smooth and controlled credit execution. 

Skills & Experience Required: 

• Advanced financial analysis, credit ratios, cash-flow evaluation, lending structures
• Financial modelling, excel proficiency, data validation
• Credit policy interpretation, documentation governance, controls
• ESG and climate-risk assessment exposure
• Stakeholder management, negotiation, and team guidance (for senior levels) 

 Preferred Qualifications: 

• Postgraduate degree or professional qualification preferred (CA / CFA / FRM).
• Strong grounding in credit analysis, financial ratios, corporate finance, and banking products.
• Deep familiarity with credit controls, documentation standards, governance, and audit-focused processes.
• Understanding of ESG/climate-risk principles (preferred).

Location and way of working

• Base location: Bangalore
• Hybrid is our default way of working. Each domain has customized the hybrid approach to their unique needs.