About the role

Job Description

Tourism Finance Corporation of India Ltd. (TFCIL), established in 1989, is a specialized financial institution that provides financial assistance to projects in the tourism and hospitality sectors across India. TFCIL has diversified into select segments such as Real Estate, Infrastructure, Solar Energy, and Alternate Investment structures. It is listed on both the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE).

TFCIL has played a pivotal role in promoting tourism and allied infrastructure in India, supporting landmark projects such as Taj Resorts in Kerala & Goa, Umaid Bhawan Palace Heritage Hotel, Palace on Wheels, Esselworld Amusement Park, Imagicaa Entertainment, Hyatt Ahmedabad, Le Meridien Coimbatore, Radisson Blu Plaza Delhi Airport, JW Marriott Aerocity, and others. The company has also collaborated with various State Tourism Departments and the Ministry of Tourism on multiple advisory assignments.

Position:

Department: Credit / Project Finance

Location: Saket, Delhi

Age Limit: Maximum 45 years

Qualifications & Experience:

MBA (Finance) / CA from a premier institute.
Minimum 8+ years of experience in credit appraisal, project finance, and term lending in a leading NBFC or Bank.
Strong exposure to financial analysis, project evaluation, credit assessment, and wholesale lending in sectors such as hospitality, real estate, and infrastructure.

Roles & Responsibilities:

Credit Appraisal:
- Conduct comprehensive appraisal of term-loan proposals by evaluating project feasibility, business models, technical and market assessments, and financial viability.
Financial & Risk Analysis:
- Analyse financial statements, assess creditworthiness, evaluate key financial metrics (cash flows, DSCR, IRR, sensitivity), and identify potential risks with appropriate mitigation measures.
Business Development & Loan Origination (Wholesale Lending):
- Source and originate new business opportunities in the wholesale lending segment, develop relationships with potential clients, and conduct preliminary screening of proposals aligned with TFCIL’s credit policies and sectoral mandates.
Client Coordination & Due Diligence:
- Coordinate with borrowers, consultants, and internal teams to obtain necessary data, clarifications, and reports for detailed technical, market, financial, and legal due diligence.
Credit Note Preparation:
- Prepare detailed credit appraisal notes, including financial projections, risk analysis, and recommendations for submission to the Credit Committee.
Deal Structuring & Documentation:
- Assist in structuring of transactions, finalization of terms, and review of documentation in consultation with legal and compliance teams to ensure policy adherence.
Portfolio Monitoring:
- Track progress of sanctioned projects, monitor repayment performance, review periodic financials, and identify early warning signals to maintain asset quality.

Desired Attributes:

Strong analytical and financial modelling skills.
In-depth understanding of credit, risk assessment, and project finance.
Excellent communication, coordination, and presentation abilities.
High degree of integrity, ownership, and relationship management capability.
Ability to work cross-functionally and deliver within timelines.