We are looking for an experienced Credit Risk Manager to lead commercial and corporate underwriting for our US lending portfolio. You will assess borrower creditworthiness, make sound credit decisions, and work with business and risk teams to keep portfolio quality high while supporting growth.

Underwrite commercial and corporate credit applications for US-based borrowers, from initial review to final recommendation. Analyze financial statements (income statement, balance sheet, cash flow) and bank statements to assess repayment capacity and financial health. Perform ratio analysis (liquidity, leverage, profitability, DSCR, etc.) and prepare detailed credit memos with clear risk ratings and recommendations. Identify, evaluate, and mitigate credit risks, including red flags, concentration risks, and industry-specific risks. Ensure underwriting decisions comply with credit policy, regulatory requirements, and internal risk guidelines. Collaborate with sales, operations, compliance, and senior leadership to resolve credit queries and structure deals.

Experience: 5+ years in credit risk or underwriting within banking, fintech, or lending. Domain: Hands-on US banking, fintech, or lending experience. Underwriting: Proven experience in commercial/corporate underwriting. Financial analysis: Strong skills in financial statement analysis (cash flow, income statement, balance sheet), bank statement analysis, and ratio analysis. Communication: Excellent written and verbal communication, with the ability to present credit recommendations and work with US stakeholders. Education: Chartered Accountant (CA) preferred. MBA (Finance) or equivalent will also be considered.