Director/Vice President - Credit Approver (Project Finance/Real Estate Financing)

Responsible for independent credit risk assessment, approval, ongoing risk monitoring and portfolio management of Real Estate Finance and Project Finance in India.

Credit Underwriting & Transaction Review

• Engage with business units at an early stage to discuss deal direction and structuring from a risk perspective
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• Independently review and assess credit applications across Real Estate Finance and Project Finance, including development, income-producing assets and structured financing.
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• 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.
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• Provide independent, commercially balanced challenges to new transactions, amendments, waivers, and restructurings in line with the bank’s credit policy and credit appetite.
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• Provide clear, well‑reasoned credit recommendations with ownership of key risk positions.
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• Support resolution and restructuring of stressed exposures, where required.
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• Contribute to development and refinement of real estate credit risk frameworks, underwriting standards, and portfolio limits.
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Individual approval authority may be considered in the future, subject to satisfactory performance, experience, and governance requirements. .

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Portfolio Management & Credit Monitoring

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• Monitor assigned credit exposures and portfolios, including periodic reviews, covenant compliance, internal risk ratings, and early warning indicators.
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• Identify potential credit deterioration and establish timely action plans to mitigate downside risk and minimize credit costs.
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• Conduct targeted portfolio and sector reviews in response to market or borrower specific stress.
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• Track market, sector, and pricing developments and escalate key risks to senior management.
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Governance, Stakeholder Management & Leadership

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• Present selected credit cases, portfolio reviews, and risk issues to senior credit management and internal committees.
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• Work closely with Relationship Management, Origination, Legal, Risk, Compliance, and other control functions to ensure sound risk governance.
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• Act as a senior credit resource within the team, providing guidance to junior staff and contributing to continuous improvement of credit processes and standards.
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• Perform other credit-related duties as assigned from time to time