WNS (Holdings) Limited (NYSE: WNS), is a leading Business Process Management (BPM) company. We combine our deep industry knowledge with technology and analytics expertise to co-create innovative, digital-led transformational solutions with clients across 10 industries. We enable businesses in Travel, Insurance, Banking and Financial Services, Manufacturing, Retail and Consumer Packaged Goods, Shipping and Logistics, Healthcare, and Utilities to re-imagine their digital future and transform their outcomes with operational excellence.We deliver an entire spectrum of BPM services in finance and accounting, procurement, customer interaction services and human resources leveraging collaborative models that are tailored to address the unique business challenges of each client. We co-create and execute the future vision of 400+ clients with the help of our 44,000+ employees.

Job Description:Manage a portfolio (30-35 clients) of Global corporates and undertake objective detailed due diligence of borrowers in “Commercial and Industrial” industry.Preparing high quality risk analysis of large global counterparties by evaluating their creditworthiness on multiple parameters, including the assignment of internal customer risk rating and covering detailed analysis of business profile, industry, management and financials, recommending appropriate limits (funded, non-funded, hedging and settlement), and negotiating / reviewing legal terms and conditions.Conduct on-going Portfolio Monitoring to facilitate decision making through Financial Modelling, Coverage Reports, Covenant Analysis, Forecast and Report writing.To analyse the balance sheet, income and cash flow statements of counterparties, including the operating trends, capital structure, liquidity, covenants, debt service capacity and overall credit risk for conclusion and recommendation.Evaluating / negotiating various loan / legal agreements such as Term Sheet, Credit Agreements to assess loan structure and accordingly propose credit terms and conditions.Working on assigning the Risk rating of PD and LGD to the Borrower, and detailed risk rating rationale write-up.Monitoring and contributing towards industry and group level concentration riskParticipate in corporate and lenders call.Providing mentorship and training to newer members of the team; providing cross functional knowledge and training to support teams.Profile RequiredStrong background in underwriting of working capital loans, term loans for middle market borrowers.Good understanding of “Commercial and Industrial” industry.Experienced in annual renewal of limits and borrower ratings as per the Banks credit processes and procedures collaborating with other stakeholders (Relationship Managers, Product teams and Credit Officers / Approvers).Strong financial analytical skills and understanding of accounting (local GAAP and IFRS), legal, and regulatory issues governing relevant sectors.Good understanding of various legal and ability to assess credit terms and conditions, including financial covenants, security and collateral.Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.) and making a recommendation.Ability to support Relationship Managers / Credit Officers on ad hoc requests related to new transactions or other portfolio reviews.Should be able to perform covenant checks and periodic monitoring reports.Experienced in preparing financial models / forecasts for various scenarios.Ability to complete work with minimal or no supervision and accommodate shifting priorities.Proficiency in MS Word, MS Excel, MS PowerPointKnowledge of credit platforms like nCino, MRA, Credit Lens, LoanIQ, William Stucky.Audit management - Internal, External including regulatory inspections.

Postgraduate/ MBA/CA/CFA/Cost AccountantAdditional Information Will be accountable for regular deliverablesResponsible for delivering 100% quality to the clientBe able to maintain productivity, quality and meet short/strict deadline.Assist superiors in activities related to productivity improvement, quality initiatives, pilot processes etc.Work under high pressure and long hours; strong work ethics and positive attitude