Delivery Lead Senior Manager

Designation: Delivery Lead Senior Manager

About Accenture

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

• Master of Financial Management
• Master of Commerce (M.Com)
• Master of Business Administration (MBA)

• Expected / Base Case
• Downside / Stress Case
• Management Case
• Build and analyze enterprise valuation models, assessing total enterprise value across equity and debt structures.
• Apply scenario based modeling to evaluate covenant capacity, downside protection, and risk mitigants.
• Risk Assessment & Credit Decisioning
• Conduct in depth credit risk assessments across borrower, facility, structure, collateral, and industry dimensions.
• Identify policy deviations and underwriting exceptions, recommend approve / decline / counter offer decisions with clear risk rationale.
• Ensure adherence to internal credit policies, underwriting standards, and regulatory documentation requirements.
• Portfolio & Client Management
• Manage complex commercial credit portfolios, including ongoing monitoring, interim reviews, covenant compliance, and hygiene checks.
• Leadership & Operational Excellence

• Define and execute the operational strategy for Commercial Banking underwriting aligned to client and firm objectives.
• Translate strategic direction from senior leadership into near term and long term execution plans.
• Key Responsibilities
• Credit Underwriting & Financial Analysis
• Lead comprehensive financial statement analysis, performance benchmarking, and multi year trend analysis to assess the creditworthiness of mid corporate and large corporate borrowers.
• Oversee preparation and review of Credit Assessment Memos (CAMs) and underwriting submissions for annual reviews, renewals, amendments, and new originations.
• Evaluate borrower, guarantor, and group level financials, including repayment capacity, leverage, liquidity, cash flow sustainability, and stress scenarios.
• Perform detailed industry and peer analysis, incorporating macro economic outlooks and sector specific risks.
• Drive financial spreading and analysis using standardized Excel based templates aligned to regulatory and client requirements (10 K, 10 Q, audited and interim financials).
• Forecasting, Valuation & Modeling
• Develop and review integrated financial forecast models covering 5–7 year

• Lead comprehensive financial statement analysis, performance benchmarking, and multi year trend analysis to assess the creditworthiness of mid corporate and large corporate borrowers.
• Oversee preparation and review of Credit Assessment Memos (CAMs) and underwriting submissions for annual reviews, renewals, amendments, and new originations.
• Evaluate borrower, guarantor, and group level financials, including repayment capacity, leverage, liquidity, cash flow sustainability, and stress scenarios.
• Perform detailed industry and peer analysis, incorporating macro economic outlooks and sector specific risks.
• Drive financial spreading and analysis using standardized Excel based templates aligned to regulatory and client requirements (10 K, 10 Q, audited and interim financials).

• Develop and review integrated financial forecast models covering 5–7 year horizons, including:

• Build and analyze enterprise valuation models, assessing total enterprise value across equity and debt structures.
• Apply scenario based modeling to evaluate covenant capacity, downside protection, and risk mitigants.

• Conduct in depth credit risk assessments across borrower, facility, structure, collateral, and industry dimensions.
• Identify policy deviations and underwriting exceptions, recommend approve / decline / counter offer decisions with clear risk rationale.
• Ensure adherence to internal credit policies, underwriting standards, and regulatory documentation requirements.

• Manage complex commercial credit portfolios, including ongoing monitoring, interim reviews, covenant compliance, and hygiene checks.
• Partner closely with onshore relationship managers, credit officers, and senior client stakeholders, including Directors and Executive leadership.
• Act as a trusted advisor on underwriting quality, portfolio risk trends, and operational performance.

• Define and execute the operational strategy for Commercial Banking underwriting aligned to client and firm objectives.
• Translate strategic direction from senior leadership into near term and long term execution plans.