Credit Analyst- Infra-Mumbai

6 days ago

Mumbai, Maharashtra, India Acura Solution Full time ₹ 12,00,000 - ₹ 36,00,000 per year


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

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