Credit Risk

About Us:

MUFG Bank, Ltd. is Japan's premier bank, with a global network spanning in more than 40 markets. Outside of Japan, the bank offers an extensive scope of commercial and investment banking products and services to businesses, governments, and individuals worldwide. MUFG Bank's parent, Mitsubishi UFJ Financial Group, Inc. (MUFG) is one of the world's leading financial groups. Headquartered in Tokyo and with over 360 years of history, the Group has about 120,000 employees and offers services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing. The Group aims to be the world's most trusted financial group through close collaboration among our operating companies and flexibly respond to all the financial needs of our customers, serving society, and fostering shared and sustainable growth for a better world. MUFG's shares trade on the Tokyo, Nagoya, and New York stock exchanges.

MUFG Global Service Private Limited:

Established in 2020, MUFG Global Service Private Limited (MGS) is 100% subsidiary of MUFG having offices in Bengaluru and Mumbai. MGS India has been set up as a Global Capability Centre / Centre of Excellence to provide support services across various functions such as IT, KYC/ AML, Credit, Operations etc. to MUFG Bank offices globally. MGS India has plans to significantly ramp-up its growth over the next 18-24 months while servicing MUFG's global network across Americas, EMEA and Asia Pacific

About the Role:

Position Title: Analyst

Corporate Title: Analyst

Reporting to: Vice President

Location: Bengaluru

Job Profile

Position details:

We are seeking a detail-oriented and analytical Sr. Analyst - Credit Risk Reporting to support the Business-As-Usual (BAU) credit risk reporting processes within the Risk Management function. This role plays a critical part in ensuring the accuracy, timeliness, and integrity of recurring credit risk dashboards and reports consumed by senior stakeholders including the Chief Risk Officer, Chief Credit Officer, and Risk Committees.

The ideal candidate will possess sound knowledge of credit risk concepts, advanced skills in Tableau and Microsoft Office applications (Excel, Word, PowerPoint), and a strong sense of accountability to drive excellence in the daily reporting process. The analyst will work closely with the AVP - Credit Risk Reporting to maintain reporting standards, data controls, and continuous process improvements.

Roles and Responsibilities:

BAU Reporting Ownership:

• Take full ownership of recurring BAU credit risk reporting processes, ensuring reports are delivered accurately, completely, and on time to key stakeholders.
• Support the production of key risk metrics and dashboards used by senior risk leadership for portfolio monitoring and governance forums.

Data Validation & Reconciliation:

• Conduct thorough validation and reconciliation of credit risk data to ensure data integrity and consistency across systems and reporting platforms.
• Investigate and resolve data discrepancies with upstream data owners and support data quality control processes as needed.

Collaboration & Oversight:

• Partner closely with the AVP – Credit Risk Reporting and other team members to uphold rigorous control standards in report production and dissemination.
• Work with subject matter experts across First Line and Second Line of Defense to verify and enhance data accuracy and interpretation of risk metrics.

Reporting Tools & Visualization:

• Leverage Tableau to develop, maintain, and optimize dashboards and reports.
• Present data and insights clearly using advanced Excel functions and PowerPoint presentations, tailored for risk managers and senior executives.

Process Improvement:

• Identify and implement opportunities to streamline report generation processes, reduce manual effort, and improve reporting accuracy and efficiency.
• Recommend and test enhancements to existing reporting templates and dashboards to better meet evolving business and regulatory needs.

Governance & Compliance:

• Ensure reporting outputs comply with internal risk policies, procedures, and regulatory expectations, including BCBS 239 standards where applicable.
• Maintain appropriate documentation for reporting processes and support periodic review and audit requests.

Qualifications:

• 5+ years of experience in Financial Services or Risk Reporting, with demonstrated exposure to credit risk.
• Strong knowledge of credit risk concepts, regulatory standards, and bank credit portfolios.
• Proven experience in BAU risk reporting with a strong focus on data accuracy, timeliness, and control.
• Advanced skills in Tableau, Microsoft Excel (formulas, pivot tables, data cleansing), Word, and PowerPoint.
• Familiarity with reporting platforms such as Microsoft Power BI and data environments like enterprise data platforms or SQL-based tools is a plus.
• Excellent attention to detail and a proactive mindset toward error detection, resolution, and documentation.
• Strong analytical and problem-solving skills; ability to explain technical data concepts clearly to non-technical audiences.
• Ability to work independently, prioritize multiple tasks, and deliver under tight deadlines in a high-stakes environment.
• Effective communication skills and a collaborative working style.

Equal Opportunity Employer:

The MUFG Group is committed to providing equal employment opportunities to all applicants and employees and does not discriminate on the basis of race, colour, national origin, physical appearance, religion, gender expression, gender identity, sex, age, ancestry, marital status, disability, medical condition, sexual orientation, genetic information, or any other protected status of an individual or that individual's associates or relatives, or any other classification protected by the applicable laws.