Credit Analyst- Infra-Mumbai

Key Responsibilities:🔍 Credit Appraisal & Underwriting

Perform detailed financial analysis and credit risk assessment of infrastructure projects and sponsors.
Evaluate project cash flows, repayment capacity, financial covenants, and overall creditworthiness.
Prepare comprehensive Credit Appraisal Memorandums for investment committee approval.
Ensure proper due diligence, including technical, legal, and regulatory assessments.

🧾 Structuring & Execution

Design credit structures aligned with project cash flows and sector-specific risks.
Recommend optimal loan tenures, repayment schedules, covenants, and security packages.
Coordinate with internal teams and external consultants (technical, legal, and valuation) for deal execution.
Negotiate terms and conditions with borrowers.

🏗️ Sector & Project Evaluation

Analyze infrastructure sectors such as roads, renewables, ports, logistics, social infra, etc.
Evaluate government concessions, PPP models, annuity or toll-based revenue models, and viability gap funding structures.
Assess sponsor capability, EPC contractors, and O&M arrangements.

📊 Monitoring & Portfolio Management

Track project progress, financial performance, and repayment behavior of existing borrowers.
Highlight early warning signals and initiate corrective measures where necessary.
Participate in periodic reviews and monitoring reports.

🧠 Risk Management & Compliance

Ensure compliance with internal risk frameworks and regulatory guidelines.
Recommend credit risk mitigants such as DSRA, escrow, TRA mechanisms, guarantees, or insurance where required.

Required Qualifications & Skills:

Education: MBA (Finance) / CA / CFA or equivalent
Experience: 3–8 years in credit underwriting or project finance, ideally in infrastructure-focused roles (banks, NBFCs, or infra funds)
Sector Knowledge: Exposure to infrastructure sectors like roads, energy, ports, urban infra

Preferred Background:

Experience in institutions such as infrastructure NBFCs, banks (infra lending teams), project finance consultancies, or infrastructure-focused AIFs.
Exposure to debt capital markets or credit rating in the infra domain is a plus.

Why Join Us?

Be part of a specialized team managing long-term infrastructure debt
Work on marquee projects across India’s core sectors
Opportunity to shape lending strategies and structures in a critical area of national growth