Senior Manager - Credit Risk & Portfolio Monitoring

Job Description :

The incumbent will be part of the Risk and Monitoring team, responsible for pre-deal Credit Risk diligence and post-deal Portfolio Monitoring across asset classes, including Corporates, Real Estate, and Sponsor Finance.

Pre-deal credit evaluation :

- As part of the Risk team, carry out detailed credit due diligence for deal evaluation and close coordination with the Underwriting team.

- Review and analyse finding of various Due Diligence reports (Financial Due Diligence, Commercial Due diligence, Legal opinions etc) where applicable.

- Based on the Financial model submitted by the Underwriting team, carry out review and prepare scenario analysis including unit economics, projections, cash flow analysis, ratio analysis etc.

- Based on Credit memo and other data submitted by the Underwriting team, suggesting risk mitigants, covenants, conditions, etc. based on diligence findings.

- Compile and analyse relevant data on the sector, competitors, etc with implications on financial model.

- Prepare and articulate Risk recommendation advice as part of submissions to the Investment Committee, articulating insights gained from such analysis.

Portfolio monitoring & Other requirements :

- Track ongoing performance of portfolio companies, including regularly updating financial performance, industry trends, adverse news, repayment status.

- Track covenant due dates, conditions subsequent due dates, hedge monitoring, follow up for compliance and escalate appropriately.

- Flag early warning signals and recommend appropriate risk mitigation strategies.

- Conduct Portfolio Review and meet Annual review requirements of deals in a timely manner.

- Provide portfolio performance inputs during preparation of investor newsletters, valuation reports, audit related actionables.

- Prepare and circulate Risk dashboards for portfolio analytics, improvements such as Policies/ Process notes etc.

- Leverage AI/technology to improve productivity.

- Ad hoc projects, policy formulation, IRB related data governance sanity etc.

Core skills and knowledge :

- Strong experience in credit risk of domestic mid/large corporates.

- Self-starter and able to take responsibility with a proactive approach to daily tasks.

- Works closely with investment and risk teams, fostering a collaborative environment to drive results and share expertise across the business.

- Strong knowledge of financial management or modelling and understanding of financial regulations, proficiency in Excel, PowerPoint, dashboard tools, and portfolio management systems.

- Meticulous attention to detail in preparing reports and managing financial information & exceptional verbal and written communication skills, with the ability to present complex information clearly and concisely.