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Prepare comprehensive credit applications and conduct credit analysis and grading for both new and existing customers across pan-India. Evaluate borrowers’ financial statements, credit history, and overall financial health to assess creditworthiness and repayment capacity. Ensure all credit applications adhere strictly to the bank’s credit policies, guidelines, and regulatory requirements. Collect, analyze, and interpret financial data to identify potential risks, providing actionable recommendations to mitigate credit risk. Establish suitable credit limits and develop risk mitigation strategies to safeguard the bank’s portfolio. Monitor credit portfolios regularly and perform periodic reviews to manage and minimize credit risk exposure. Liaise closely with local staff and the Head Office Credit Department to facilitate smooth end-to-end credit approval and sanctioning processes. Prepare detailed presentations and reports for senior management, customers, and advisors to support credit decisions and business development. Collect and organize relevant data to support marketing activities and transaction execution.