Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting

Designation: Delivery Lead Senior Manager

Qualifications:MCom/Master of Business Administration

Years of Experience:16 to 25 years

About Accenture

Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world's largest network of Advanced Technology and Intelligent Operations centers. Our 784,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com

What would you do Role Purpose The Delivery Lead – Senior Manager is responsible for end to end ownership of Commercial Banking underwriting and credit operations, supporting large corporate and mid corporate lending portfolios. The role combines deep credit domain expertise, operational leadership, risk governance, and client stakeholder management, ensuring scalable, compliant, and high quality underwriting services aligned with the bank's strategic growth objectives Leadership & Operational Excellence Strategic Leadership

Define and execute the operational strategy for Commercial Banking underwriting aligned to client and firm objectives.
Translate strategic direction from senior leadership into near term and long term execution plans. Operational Oversight
Lead day to day underwriting operations across origination support, financial spreading, credit analysis, underwriting, and post approval activities.
Ensure consistent service delivery across geographies and time zones. Risk & Compliance Management
Maintain strong governance frameworks and internal controls.
Partner with Risk, Compliance, and Internal Audit teams to proactively identify and mitigate operational and credit risks.
Exercises judgment and decision making authority with significant operational and risk impact.
Engages directly with senior client leadership and Accenture leadership, influencing outcomes and acceptance of alternate approaches.
Operates with latitude in decision making and determines methods, procedures, and execution models for new and complex assignments.
Manages large teams and/or complex work efforts with material business impact. What are we looking for Primary Skill Commercial Banking – Credit Underwriting (Mid Corporate & Large Corporate) Qualifications
Master of Financial Management
Master of Commerce (M.Com)
Master of Business Administration (MBA) Years of Experience 15–20 years of progressive experience in Commercial Banking, Credit & Underwriting Operations Language Proficiency Business English (Written and Verbal) What We Are Looking For Core Expertise
Commercial Banking & Financial Services
Credit Management & Underwriting
Financial Analysis & Risk Assessment
Commercial Lending – Originations & Portfolio Management Professional Skills
Advanced analytical and problem solving capability
Strong client and stakeholder management skills
Thought leadership in underwriting, risk, and operations
Ability to operate independently on complex, ambiguous assignments Role Complexity & Decision Authority (Level 6)
Independently identifies and assesses high complexity problems requiring in depth evaluation of multiple variables.
Designs and implements solutions aligned to strategic direction set by senior leadership.
Exercises judgment and decision making authority with significant operational and risk impact.
Process Improvement & Automation
Drive continuous improvement initiatives leveraging automation, analytics, and underwriting tools to improve accuracy, turnaround time, and scalability.
Support transformation initiatives including workflow optimization, digitization, and advanced analytics.
Understanding of Gen and Agentic AI and demonstrated knowledge of adoption. People Leadership
Lead, mentor, and develop large to medium sized teams across underwriting and credit functions.
Build a culture of accountability, quality, innovation, and client service excellence.
Provide performance coaching, talent development, and succession planning. Stakeholder Collaboration
Act as a bridge between business, underwriting, risk, compliance, technology, and operations.
Influence senior client and internal stakeholders on matters requiring alignment, alternate approaches, or risk based decisioning. Performance Management
Define, track, and report KPIs and SLAs covering productivity, quality, risk metrics, and client satisfaction.
Ensure delivery outcomes have a material day to day impact on the business and client experience. Roles and Responsibilities:
Key Responsibilities Credit Underwriting & Financial Analysis
Lead comprehensive financial statement analysis, performance benchmarking, and multi year trend analysis to assess the creditworthiness of mid corporate and large corporate borrowers.
Oversee preparation and review of Credit Assessment Memos (CAMs) and underwriting submissions for annual reviews, renewals, amendments, and new originations.
Evaluate borrower, guarantor, and group level financials, including repayment capacity, leverage, liquidity, cash flow sustainability, and stress scenarios.
Perform detailed industry and peer analysis, incorporating macro economic outlooks and sector specific risks.
Drive financial spreading and analysis using standardized Excel based templates aligned to regulatory and client requirements (10 K, 10 Q, audited and interim financials). Forecasting, Valuation & Modeling
Develop and review integrated financial forecast models covering 5–7 year horizons, including: o Expected / Base Case o Downside / Stress Case o Management Case
Build and analyze enterprise valuation models, assessing total enterprise value across equity and debt structures.
Apply scenario based modeling to evaluate covenant capacity, downside protection, and risk mitigants. Risk Assessment & Credit Decisioning
Conduct in depth credit risk assessments across borrower, facility, structure, collateral, and industry dimensions.
Identify policy deviations and underwriting exceptions, recommend approve / decline / counter offer decisions with clear risk rationale.
Ensure adherence to internal credit policies, underwriting standards, and regulatory documentation requirements. Portfolio & Client Management
Manage complex commercial credit portfolios, including ongoing monitoring, interim reviews, covenant compliance, and hygiene checks.
Partner closely with onshore relationship managers, credit officers, and senior client stakeholders, including Directors and Executive leadership.
Act as a trusted advisor on underwriting quality, portfolio risk trends, and operational performance
Additional Information
This role may require working in rotational shifts based on client and business needs Certifications Credit Risk, CFA modules, Banking or Risk certifications would be desirable., MCom,Master of Business Administration

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