Senior Manager, Corporate Credit

Job Purpose • Provide independent credit assessment and approval oversight for Corporate Banking exposures across assigned sector(s), ensuring alignment with the Bank’s risk appetite and regulatory expectations. • Evaluate and approve complex credit proposals, including bilateral, syndicated, structured, and project finance transactions, through robust underwriting judgment and risk analysis. • Leverage cross-sector expertise (including Financial Institutions, traded credit, commodities/trading, manufacturing, and retail sectors) to assess diverse corporate exposures and risk dynamics. • Oversee the end-to-end credit lifecycle through close engagement with policy and portfolio management teams, ensuring quality, consistency, and adherence to established credit frameworks. • Assess portfolio-level risks, including sectoral concentrations and emerging trends, and recommend appropriate risk mitigation and corrective actions. • Partner with Corporate Banking relationship teams to provide guidance on transaction structuring, ensuring commercially viable solutions within defined risk parameters. Key Result Areas Credit Underwriting & Approval Quality • Evaluate and approve complex credit proposals, including bilateral, syndicated, structured, and project finance transactions, through robust underwriting judgment and risk analysis. • Ensure all credit proposals are assessed within delegated authority, applying sound credit standards, strong analytical discipline, and adherence to established approval frameworks. • Maintain high quality of credit appraisals to minimize rework, approval exceptions, and proposals returned or declined at higher approval forums. Portfolio Quality & Risk Management • Maintain quality of the assigned loan portfolio, as measured by classified outstandings, risk migration, and associated provisioning impact on Group profitability. • Assess portfolio-level risks arising from sectoral concentrations, obligor exposures, and market developments, and recommend timely mitigation strategies. • Minimize migration across risk grades through proactive monitoring, risk discipline, and early intervention on emerging vulnerabilities. Cross-Sector Credit Expertise & Transaction Assessment • Leverage cross-sector expertise across Financial Institutions, traded credit, commodities/trading, manufacturing, retail, and other corporate segments to assess diverse borrower and transaction risks. • Apply sector-specific judgment in evaluating business models, cash flow resilience, collateral structures, and market positioning across multiple industries. • Provide an independent and well-rounded credit view on single-name and portfolio exposures by integrating industry, financial, and structural risk considerations. Early Warning Identification & Remedial Action • Ensure early detection of warning signals, including past dues, adverse market information, financial deterioration, and sector stress, to enable timely corrective action. • Recommend and support remedial strategies, restructuring actions, or exposure reduction measures to contain risk and minimize potential credit losses. • Strengthen portfolio oversight through continuous post-approval follow-up and early warning identification to preserve asset quality. Turnaround Time & Credit Processing Efficiency • Maintain targeted turnaround time for processing credit proposals, renewals, amendments, and annual reviews to support business responsiveness. • Ensure consistent handling of proposal volumes without compromising underwriting quality, depth of assessment, or governance standards. • Drive efficiency and discipline in credit processing through structured workflows, timely reviews, and clear approval accountability. Business Partnership, Structuring & Market Engagement • Partner with Relationship Managers to structure appropriate credit solutions for clients, balancing commercial requirements with prudent risk acceptance. • Accompany RM teams on domestic and international client calls, where required, to maintain awareness of market conditions, sector developments, and client dynamics. • Provide independent credit guidance on transaction structuring, facility terms, security, covenants, and risk mitigants for complex corporate exposures. Governance, Committees & Credit Culture • Attend Credit Committees as a regular member and contribute in

Provide independent credit assessment and approval oversight for Corporate Banking exposures across assigned sector(s), ensuring alignment with the Bank’s risk appetite and regulatory expectations. Evaluate and approve complex credit proposals, including bilateral, syndicated, structured, and project finance transactions, through robust underwriting judgment and risk analysis. Leverage cross-sector expertise (including Financial Institutions, traded credit, commodities/trading, manufacturing, and retail sectors) to assess diverse corporate exposures and risk dynamics. Oversee the end-to-end credit lifecycle through close engagement with policy and portfolio management teams, ensuring quality, consistency, and adherence to established credit frameworks. Assess portfolio-level risks, including sectoral concentrations and emerging trends, and recommend appropriate risk mitigation and corrective actions. Partner with Corporate Banking relationship teams to provide guidance on transaction structuring, ensuring commercially viable solutions within defined risk parameters. Maintain high quality of credit appraisals to minimize rework, approval exceptions, and proposals returned or declined at higher approval forums. Assess portfolio-level risks arising from sectoral concentrations, obligor exposures, and market developments, and recommend timely mitigation strategies. Minimize migration across risk grades through proactive monitoring, risk discipline, and early intervention on emerging vulnerabilities. Leverage cross-sector expertise across Financial Institutions, traded credit, commodities/trading, manufacturing, retail, and other corporate segments to assess diverse borrower and transaction risks. Apply sector-specific judgment in evaluating business models, cash flow resilience, collateral structures, and market positioning across multiple industries. Provide an independent and well-rounded credit view on single-name and portfolio exposures by integrating industry, financial, and structural risk considerations. Ensure early detection of warning signals, including past dues, adverse market information, financial deterioration, and sector stress, to enable timely corrective action. Recommend and support remedial strategies, restructuring actions, or exposure reduction measures to contain risk and minimize potential credit losses. Strengthen portfolio oversight through continuous post-approval follow-up and early warning identification to preserve asset quality. Maintain targeted turnaround time for processing credit proposals, renewals, amendments, and annual reviews to support business responsiveness. Ensure consistent handling of proposal volumes without compromising underwriting quality, depth of assessment, or governance standards. Drive efficiency and discipline in credit processing through structured workflows, timely reviews, and clear approval accountability. Partner with Relationship Managers to structure appropriate credit solutions for clients, balancing commercial requirements with prudent risk acceptance. Accompany RM teams on domestic and international client calls, where required, to maintain awareness of market conditions, sector developments, and client dynamics. Provide independent credit guidance on transaction structuring, facility terms, security, covenants, and risk mitigants for complex corporate exposures. Attend Credit Committees as a regular member and contribute in