SEVP - Corporate Credit

Job Purpose To lead the development, evaluation, and implementation of Corporate Credit Policies and Programs while managing the end ‑ to ‑ end credit lifecycle across assigned Corporate Banking portfolio(s). The role is responsible for structuring complex credit facilities through direct engagement with Corporate Banking clients and relationship teams within one designated sector or a portfolio of multiple industry sectors, as assigned from time to time based on business requirements and portfolio composition. The incumbent is expected to possess the requisite cross ‑ sector credit expertise to independently assess and manage credit exposures across single or multiple industries, ensuring strong risk governance, effective portfolio oversight, and seamless stakeholder management across Business, Legal, Compliance, Audit, Operations, and other internal and external partners, in line with the Bank’s risk appetite and regulatory expectations. Lead the end‑to‑end credit lifecycle for Corporate Banking portfolios across assigned sector(s), including underwriting, approval, monitoring, and remediation of credit exposures. Drive the development and implementation of corporate lending frameworks, including formulation and maintenance of sector‑agnostic credit policies, procedures, and underwriting standards applicable across single or multiple industry verticals. Partner with Corporate Banking business teams to structure optimal credit solutions for clients operating within the incumbents in line with the Bank’s risk appetite. Provide credit advisory to Relationship Managers on transaction structuring considering sector‑specific risk dynamics, financial profiles, collateral structures, regulatory considerations, and prevailing market conditions. Evaluate and approve complex credit proposals including bilateral, syndicated, structured, and project‑linked facilities across the designated sector portfolio under coverage. Oversee portfolio‑level risks arising from sectoral concentrations and guide appropriate risk mitigation strategies. Ensure effective stakeholder management across Business, Legal, Compliance, Audit, Finance, and Operations for seamless implementation and monitoring of credit facilities. Maintain and enhance Corporate Credit Policy Manuals and undertake credit due diligence for new product or sector‑specific initiatives as applicable. Support Corporate Banking business growth by facilitating timely and compliant setup of credit facilities Monitor portfolio quality and ensure adherence to approved credit terms, internal risk policies, and regulatory expectations Accountable for overall credit risk oversight, sectoral exposure management, and performance of the assigned Corporate Banking lending portfolio. Key Result Areas Strategic Contribution Translate the Bank’s Risk and Corporate Banking strategy into a comprehensive Corporate Credit framework aligned with portfolio growth objectives and defined risk appetite across assigned sector(s). Drive the strategic direction of the corporate lending portfolio within the incumbent’s designated industry vertical or combination of sectors Enable sustainable business growth by supporting structured and sector‑appropriate credit solutions tailored to evolving client financing needs across assigned corporate segments. Provide strategic oversight on sector‑specific credit exposures ensuring alignment with portfolio diversification objectives and concentration limits. Lead and support Corporate Credit initiatives including portfolio monitoring enhancements, sector risk frameworks, underwriting governance, and policy digitization programs. Drive continuous improvement in underwriting standards, credit evaluation methodologies, portfolio monitoring tools, and sector‑based risk assessment frameworks. Credit Policy & Governance Formulate, maintain, and seek approval for Corporate Credit Policies and Programs to facilitate business growth while ensuring effective portfolio risk management across assigned sector coverage. Actively collaborate with Corporate Banking Business teams in the preparation, review, and modification of credit policies based on: Evolving sectoral dynamics Macroeconomic developments Portfolio performance trends Emerging industry‑specific risks Participate in internal focus groups for periodic review and enhancement of credit policies, underwriting standards, and procedural frameworks. Ensure Corporate Credit Manuals and sector‑specific underwriting standards are periodically reviewed and updated in line with regulatory developments and internal portfolio performance indicators. Portfolio Oversight & Risk Management Accountable for the overall quality, performance, and sustainability of the Corporate Credit portfolio within the assigned sector or multi‑sector coverage . Ensure maintenance of portfolio quality as measured by percentage of class

Lead the development, evaluation, and implementation of Corporate Credit Policies and Programs while managing the end-to-end credit lifecycle across assigned Corporate Banking portfolio(s). Structure complex credit facilities through direct engagement with Corporate Banking clients and relationship teams. Possess cross-sector credit expertise to independently assess and manage credit exposures across single or multiple industries, ensuring strong risk governance, portfolio oversight, and stakeholder management. Drive the development and implementation of corporate lending frameworks, including sector-agnostic credit policies, procedures, and underwriting standards. Partner with Corporate Banking teams to structure optimal credit solutions within risk appetite. Provide credit advisory to Relationship Managers on transaction structuring, considering sector-specific risk dynamics, financial profiles, collateral, regulatory considerations, and market conditions. Evaluate and approve complex credit proposals including bilateral, syndicated, structured, and project-linked facilities. Oversee portfolio-level risks from sectoral concentrations and implement risk mitigation. Ensure stakeholder management across Business, Legal, Compliance, Audit, Finance, and Operations for credit facilities. Maintain and enhance Corporate Credit Policy Manuals and conduct due diligence for new products or sector initiatives. Support growth by facilitating timely and compliant setup of credit facilities. Monitor portfolio quality and adherence to terms, risk policies, and regulatory expectations. Accountable for overall credit risk oversight and performance of the Corporate Banking lending portfolio.