Credit Analyst- Infra-Mumbai

Job Description:

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