Skill required:

Com.

Bkg- Credit UW - Commercial Credit Underwriting:

Designation:

Delivery Lead Manager

Qualifications:

MCom

Years of Experience:

13 to 18 years

About Accenture

Accenture is a global professional services company with leading capabilities in digital, cloud and security.

Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 784,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.

Visit us at www.accenture.com
What would you do? To lead and manage the underwriting function for large corporate clients by assessing creditworthiness, ensuring compliance with risk frameworks, and supporting business growth while maintaining portfolio quality. Responsible for the daily deliveries with quality to meet/exceed the agreed SLA. Ensure that Client Focus, timely delivery & Strict adherence to SOP are maintained. Backed up with good knowledge on Commercial lending & Credit Services, should be able to handle client effectively. Assist the team to drive Client Value Creation, implement cutting edge solutions like RPA/Analytics and move towards Intelligent Operations. Adhere to all values & policies of Accenture and ensure that all team members follow the same. Spend time with the team members addressing their concerns/areas of improvement and create a team bonding leading the greater efficiency & commitment
What are we looking for? Master of Commer, Master Of Business Administration Banking Financial Service Accounting & Financial reporting standards/Finance Analysis/Underwriting • Adhere to Internal / External Policy • Drive Accenture core values within team • Familiarity with third-party credit platforms like S&P Capital IQ, IBIS, and Moody’s Credit Edge will be an added advantage • Effective communication skills, with the ability to multitask, prioritize effectively, and meet tight deadlines • Analytical and logical thinker with a clear understanding of client requirements and expectations •Commercial Lending & Credit Services Expert(E) Client Relationship Management Expert(E) People Management Expert (E) Cost Optimization Expert(E) Analytical & Proactive Skills Expert(E) Quality Concepts and Tools Expert (E) • Hands on experience in the borrower risk rating including arriving at Probability of default and Loss given default. Skillset Required • Proven experience in credit review and appraisal, credit rating analysis, report writing, and evaluating capital structure, EBITDA, leverage ratios, and financial statements of large corporates; well-versed in cash flow models and enterprise valuation techniques • Should have good experience on the commercial underwriting process including financial analysis • Should have good understanding of credit analysis and assessing creditworthiness of the prospect/existing borrowers • Ensure that day-to-day tasks are completed on the agreed deadlines and quality per the SLA • Win the confidence of client through regular and proactive interaction • Handle client queries through e-mail as well as through call • Adhere to the processing guidelines and meet the accuracy targets set by the team lead • Active participation in calls with client and their counterparts • Answering/clarifying the client queries promptly • Taking full ownership on the report deliveries and quality • Flexible to work in any shift based on business needs • Good Excel knowledge and number crunching.

• People Engagement

Roles and Responsibilities:

• Responsibilities/Authorities • Conducting financial statement analysis, performance evaluation, and trend analysis to assess the creditworthiness of large corporate clients.
• Managing client portfolios and overseeing credit rating assignments along with interim financial analysis and hygiene checks.
• Assess working capital, term loan, project finance, and structured deals.
• Identify potential risks and propose mitigations within approved risk appetite.
• Performing financial data entry and analysis using Excel templates based on 10-K and 10-Q filings.
• Preparing credit reports and Credit Assessment Memos (CAMs) for annual reviews, incorporating counterparty profiles, key rating factors, credit risk evaluations (including financial and peer analysis, rating rationale, and industry outlook).
• Developing forecast models in Excel, including cash flow models under various scenarios—Expected case, downside case, and management case—to project financials over a five- to seven-year horizon.
• Creating and analyzing enterprise valuation models to determine a company’s total value, including both equity and debt components.
• Evaluating business models by identifying key strengths, weaknesses, risks, and gaining a comprehensive understanding of revenue structures and corporate organization.
• Ensuring compliance with standard operating procedures and regulatory documentation requirements.
• Maintaining strong working relationships with onshore account managers and senior stakeholders, including Directors.
• Lead and coach team of underwriters on analytical rigour, documentation quality and policy adherence • Conduct ongoing skill development sessions • Review team output for quality, timeliness, and compliance with credit policies.
• Ensure that day-to-day tasks are completed on the agreed deadlines and quality per the SLA.
• Lead and drive the identification of process improvements and synergies on an ongoing basis and will liaise with subject matter experts (SMEs) on project enhancement for existing and new markets and will monitor trends to make the processing of business more scalable within their budgeted headcount • Candidate will have extensive experience of managing multiple teams. Should have excellent attention to detail with a high level of strategic vision and demonstrate a practical knowledge of the implementation and execution including but not limited to, performance development, managing poor performance and managing attendance.
• Should have experience of developing succession and a strong management team, within which they will proactively drive team cohesion

MCom

About Accenture

Accenture is a leading global professional services company that helps the world’s leading businesses, governments and other organizations build their digital core, optimize their operations, accelerate revenue growth and enhance citizen services—creating tangible value at speed and scale. We are a talent- and innovation-led company with approximately 791,000 people serving clients in more than 120 countries. Technology is at the core of change today, and we are one of the world’s leaders in helping drive that change, with strong ecosystem relationships. We combine our strength in technology and leadership in cloud, data and AI with unmatched industry experience, functional expertise and global delivery capability. Our broad range of services, solutions and assets across Strategy & Consulting, Technology, Operations, Industry X and Song, together with our culture of shared success and commitment to creating 360° value, enable us to help our clients reinvent and build trusted, lasting relationships. We measure our success by the 360° value we create for our clients, each other, our shareholders, partners and communities.

Visit us at www.accenture.com

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