Job Title: Credit Manager – Working Capital Location: Delhi CTC: Up to ₹12.5 LPA Qualification: Chartered Accountant (CA) or MBA (Finance) Bank: A Leading Bank Product: Working Capital Ticket Size: Up to ₹10 Crores Key Responsibilities: Conduct detailed credit analysis and appraisal for working capital proposals up to ₹10 Cr. Evaluate financial statements, business models, industry risk, and borrower capacity to repay. Prepare and present credit memos with recommendations for approval to sanctioning authorities. Ensure compliance with internal credit policies, regulatory norms, and RBI guidelines. Work closely with the relationship and sales teams to structure proposals as per client needs. Perform regular portfolio reviews, monitor early warning signals, and ensure timely renewals and reviews. Support in post-disbursement monitoring including documentation, covenants, and reporting. Candidate Profile: CA or MBA in Finance from a reputed institute. Minimum 2–5 years of relevant experience in credit underwriting of working capital/SME loans. Strong understanding of financial analysis, banking products, and credit risk assessment. Proficiency in MS Excel, financial modeling, and report writing. Good communication, an... more