Assistant Vice President

Role & responsibilities

The role will be responsible for Credit Risk Assessment, Portfolio Risk Monitoring, Risk Mitigation, Credit Policy and Product Governance for Cleantech and Green Finance portfolios.

Desired Experience:

• 10+ years of experience in Credit Risk / Product Risk.
• Experience in Cleantech Finance, Renewable Energy, Project Finance, Infrastructure Finance, Equipment Finance or Green Lending.
• Strong experience in Credit Appraisal and Portfolio Risk Monitoring.
• Experience in sector assessment and committee-level risk presentations.
• Knowledge of regulatory guidelines, climate risk, credit risk models and portfolio analytics.

Key Responsibilities:

1. Credit Risk Assessment

• Evaluate credit proposals across Renewable Energy, Rooftop Solar, Electric Mobility, Energy Efficiency, Waste-to-Energy and Green Finance.
• Assess borrower viability, project cash flows, technology/vendor risks, off-taker risks, collateral and regulatory/subsidy dependencies.
• Provide independent risk views for lending/sanctioning committees.

2. Portfolio Risk Monitoring

• Monitor portfolio performance, concentration risks, EWS/EWI, delinquency and emerging sector risks.
• Conduct portfolio reviews and recommend proactive risk mitigation.
• Support senior management reviews on large exposures and sector concentration.

3. Risk & Policy Framework

• Support risk thresholds including exposure limits, borrower caps, project ticket sizes and sector concentration.
• Support formulation/review of credit policies, underwriting programs, risk acceptance criteria and DOA.
• Support new Cleantech products, partnerships and vendor/program-based financing.

4. Risk Advisory & Governance

• Provide independent risk advisory to lending committees.
• Prepare risk notes, portfolio insights and sector updates.
• Support portfolio risk segmentation, analytics and ECL.
• Stay updated on regulatory changes, green finance and climate risk.

Qualification:

• Bachelors degree in Finance, Economics, Engineering, Accounting or related field.
• MBA / CA / CFA preferred.

Must Have:

• Credit Risk / Product Risk experience
• Cleantech / Renewable Energy / Project Finance / Infrastructure Finance / Equipment Finance / Green Lending exposure
• Strong Credit Appraisal & Portfolio Risk Monitoring
• Sector assessment & committee-level risk presentation experience
• Knowledge of regulatory guidelines, climate risk, credit risk models & portfolio analytics