Join our dynamic team as a Deputy Manager in Credit Underwriting, focusing on Regulatory & Financial Risk in Mumbai. This role is central to evaluating and approving credit applications across diverse lending portfolios. You will leverage your expertise in financial analysis and risk assessment to ensure sound portfolio growth and adherence to critical policies and regulations.

Deloitte's Risk Regulatory & Forensic Practice is at the forefront of innovation, transformation, and leadership, assisting clients with their most complex challenges. We offer a unique blend of business and technology strategy implementation to help you excel in competitive markets.

As a Deputy Manager, you will cultivate strong relationships with clients and internal teams, consistently exceeding expectations. Your responsibilities will include conducting in-depth financial statement analysis, performing ratio and trend assessments, and preparing financial spreads. You will assess credit risk comprehensively, analyzing business models and industry dynamics to provide well-supported recommendations. Drafting credit appraisal notes, monitoring existing portfolios, and collaborating with various stakeholders are key aspects of this role. Additionally, you will conduct industry research and ensure strict adherence to policies and regulatory frameworks.

We are seeking an experienced Credit Underwriter with 3-5 years of proven experience. A strong grasp of financial statement analysis, ratio analysis, cash flow assessment, and credit risk fundamentals is essential. Experience in preparing financial spreads and credit appraisal notes is required. Familiarity with credit underwriting processes, lending products, and relevant regulatory frameworks is necessary. Proficiency in advanced MS Excel functions and a foundational understanding of credit or risk management systems are also crucial. Excellent analytical, problem-solving, and communication skills are vital for success in this position.