To manage credit evaluation and risk assessment activities for the Midmarket and NBFC portfolios by ensuring sound credit underwriting, portfolio quality, risk mitigation, regulatory compliance, and timely credit decision-making that supports sustainable business growth. • Independently appraise and evaluate credit proposals and assess the risk of adding transactions to the Bank's loan portfolio. • Conduct detailed due diligence, identify information requirements, and assess customer business models, industry dynamics, and long-term viability. • Review financial statements, cash flows, and key credit metrics to assess creditworthiness and identify risks. • Structure credit facilities and recommend appropriate risk mitigants, covenants, and security arrangements. • Prepare credit recommendations, identify key risks, and ensure compliance with internal policies, regulatory guidelines, and risk appetite frameworks. • Ensure credit facilities are appropriately rated, graded, and documented in line with business, audit, and compliance requirements. • Independently handle complex and large-ticket transactions in Mid-Market and NBFC segments, including structured finance, acquisition finance, and project finance deals. • Review and evaluate financial models, particularly for project finance and structured credit transactions. • Build and maintain strong working relationships with Business, Risk, Operations, Legal, and other stakeholders. • Monitor portfolio quality, support risk management initiatives, and recommend corrective actions based on emerging portfolio trends. • Drive process improvements, enhance operational efficiency, and contribute to strengthening credit assessment standards. • Mentor junior team members and act as a subject matter expert for complex credit transactions. Experience Range: 7 to 10 years • Experience in underwriting Mid-Market and NBFC transactions. • Exposure to structured finance, acquisition finance, and project finance. • Experience in underwriting large-ticket exposures (₹200 Crore and above). • Strong financial modelling and credit analysis skills. Qualifications: CA/ MBA Finance