Role Overview
The incumbent will be responsible for end-to-end credit underwriting and portfolio management for a high-yield credit portfolio spread across diversified sectors including start-up and venture debt, real estate, structured promoter financing, and special situation lending. The role requires strong analytical capability, structuring acumen, and the ability to design customized risk-adjusted solutions across borrower types such as promoter groups, PE/VC-backed companies, SMEs, and Family Offices.
Job Decription
- Underwrite, structure, and recommend credit proposals for complex and high-yield transactions, balancing risk and return objectives.
- Manage underwriting for diversified asset classes term loans, NCDs, lease rental discounting, promoter funding, and HoldCo lending.
- Design tailored deal structures with appropriate security cover, covenants, and repayment mechanisms suited to borrower type and sector risk.
- Collaborate with legal, technical, treasury, and risk teams during deal structuring, documentation, and closure.
- Conduct ongoing portfolio monitoring to identify early warning signals, track performance trends, and recommend corrective measures.
- Work closely with management to prepare analytical reports, portfolio reviews, and sector insights for decision-making.
Key Skills & Experience
- Proven experience in corporate, structured, or venture lending across multiple sectors.
- Strong grasp of financial modeling, risk assessment, and covenant structuring.
- Exposure to promoter funding, PE/VC-backed lending, acquisition finance, and special situation credit.
- Ability to interpret portfolio data, spot sectoral trends, and proactively manage risk.
- Cross-functional coordination skills with understanding of legal, technical, and treasury aspects in credit.
- Proficiency in Excel and PowerPoint; exposure to analytical tools (SQL/Python/SAS) preferred.
Profile Snapshot
A well-rounded credit professional who combines analytical rigor with practical structuring ability capable of underwriting complex deals, managing diversified portfolios, and ensuring disciplined risk management across high-yield and structured finance exposures.
