Credit Manager-Wholesale Banking-Infrastructure Finance

- Analyze credit proposals for infrastructure projects across sectors such as power, roads, ports, telecom, and renewable energy. - Conduct detailed financial modeling, project viability analysis, and sensitivity assessments. - Evaluate project risks including construction, operational, regulatory, and counterparty risks. - Structure credit facilities (term loans, working capital, project finance) aligned with risk appetite. - Assess cash flow adequacy, DSCR, IRR, and break-even metrics. - Recommend appropriate covenants, security structures, and risk mitigants. - Monitor existing exposures and track project performance against assumptions. - Identify early warning signals and recommend corrective actions. - Ensure timely renewal/review of credit limits. - Work closely with Relationship Managers, Risk teams, Legal, and Technical consultants. - Liaise with external agencies such as rating agencies, lenders, and project consultants. - Ensure adherence to internal credit policies and regulatory guidelines (e.g., Reserve Bank of India norms). - Maintain high standards of documentation and audit readiness. - Track sectoral trends in infrastructure (power, roads, renewables, etc.). - Assess macroeconomic factors impacting project viability.

- Bachelor's degree in Finance, Economics, Business Administration, or related field. - Strong understanding of financial modeling, credit appraisal, and risk assessment. - Experience in infrastructure project finance or related field. - Knowledge of regulatory frameworks and compliance requirements in the banking sector. - Excellent communication and stakeholder management skills. Company Details: (If available in the JD)