About this role
<p style="line-height:115%;margin:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;line-height:115%;font-family:Arial, sans-serif">Responsible for </span><span style="font-size:10.0pt;line-height:115%;font-family:Arial, sans-serif">independent cre</span><span style="font-size:10.0pt;line-height:115%;font-family:Arial, sans-serif">dit risk </span><span style="font-size:10.0pt;line-height:115%;font-family:Arial, sans-serif">assessment</span><span style="font-size:10.0pt;line-height:115%;font-family:Arial, sans-serif">, approval, ongoing risk monitoring and portfolio management</span><span style="font-size:10.0pt;line-height:115%;font-family:Arial, sans-serif"> of Real Estate Finance and Project Finance in India</span><span style="font-size:10.0pt;line-height:115%;font-family:Arial, sans-serif">.</span></p> <p style="margin:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"> </p> <p style="margin:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><strong><span style="font-size:10.0pt;font-family:Arial, sans-serif">Credit Underwriting & Transaction Review</span></strong></p> <ul style="margin-top:0.0in;margin-bottom:0.0in" type="disc"> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Engage with business units at an early stage to discuss deal direction and structuring from a risk perspective</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Independently review and assess credit applications across </span><span style="font-size:10.0pt;font-family:Arial, sans-serif">Real Estate Finance</span><span style="font-size:10.0pt;font-family:Arial, sans-serif"> and Project Finance, including development, income-producing assets and structured financing.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Conduct credit analysis covering borrower / sponsor assessment, sector and business analysis, financial and cash flow, stress testing, transaction structure, and key risk mitigants. Prepare detailed executive summaries to seek approval from senior management.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Provide independent, commercially balanced challenges to new transactions, amendments, waivers, and restructurings in line with </span><span style="font-size:10.0pt;font-family:Arial, sans-serif">the bank’s</span><span style="font-size:10.0pt;font-family:Arial, sans-serif"> credit policy and credit appetite.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Provide clear, well‑reasoned credit recommendations with ownership of key risk positions. </span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Support resolution and restructuring of stressed exposures, where required. </span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Contribute to development and refinement of real estate credit risk frameworks, underwriting standards, and portfolio limits.</span></li> </ul> <p style="margin:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><em><span style="font-size:10.0pt;font-family:Arial, sans-serif"> </span></em></p> <p style="margin:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><strong><em><span style="font-size:10.0pt;font-family:Arial, sans-serif">Individual approval authority may be considered in the future, subject to satisfactory performance, experience, and governance requirements.</span></em></strong><em><span style="font-size:10.0pt;font-family:Arial, sans-serif">.</span></em></p> <p style="margin:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"> </p> <div style="text-align:center;margin:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif" align="center"><hr align="center" size="2" width="100%"></div> <p style="margin:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><strong><span style="font-size:10.0pt;font-family:Arial, sans-serif">Portfolio Management & Credit Monitoring</span></strong></p> <ul style="margin-top:0.0in;margin-bottom:0.0in" type="disc"> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Monitor assigned credit exposures and portfolios, including periodic reviews, covenant compliance, internal risk ratings, and early warning indicators.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Identify potential credit deterioration and establish timely action plans to mitigate downside risk and minimize credit costs.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Conduct targeted portfolio and sector reviews in response to market or borrower specific stress.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Track market, sector, and pricing developments and escalate key risks to senior management.</span></li> </ul> <p style="margin:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"> </p> <div style="text-align:center;margin:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif" align="center"><hr align="center" size="2" width="100%"></div> <p style="margin:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><strong><span style="font-size:10.0pt;font-family:Arial, sans-serif">Governance, Stakeholder Management & Leadership</span></strong></p> <ul style="margin-top:0.0in;margin-bottom:0.0in" type="disc"> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Present selected credit cases, portfolio reviews, and risk issues to senior credit management and internal committees.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Work closely with Relationship Management, Origination, Legal, Risk, Compliance, and other control functions to ensure sound risk governance.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Act as a senior credit resource within the team, providing guidance to junior staff and contributing to continuous improvement of credit processes and standards.</span></li> <li style="margin-top:0.0in;margin-right:0.0in;margin-bottom:0.0in;font-size:12.0pt;font-family:'Times New Roman', serif"><span style="font-size:10.0pt;font-family:Arial, sans-serif">Perform other credit-related duties as assigned from time to time</span></li> </ul>