Credit Analyst, BWC

Job ID: 38633

Location: Pune, IN

Area of interest: Retail Banking

Job type: Regular Employee

Work style: Office Working

Opening date: 9 Sept 2025

Job Summary

This role is within Business Banking for Credit analyst is for Analyse financials, banking and other credit related activities

• Assessment of documentation provided for sanctioning of facilities
• Monitoring of post sanction condition compliance in time bound manner.
• Coordinating with various stakeholders for sanctioning of facilities including internal and external stakeholders.
• Day-to-day monitoring of MIS and control of the relationships i.e. accesses, deferrals, past dues
• 100% commitment to code of conduct
• Timely completion of assigned mandatory e-learning's
• Portfolio management support for coordinating with CRC/SME ops
• Astar compliance as per guidlines
• 100% commitment to code of conduct
• Timely completion of mandatory e-learning's

Strategy

• Responsible for the portfolio quality and risk including zero tolerance/ KYC.
• Meeting client time to time and check customer performance, discuss debtors stretch and probability of enhancement and other required products.
• Ensure to have OPAC (Operating Account) criteria satisfied, for example, Quarterly Churning in accounts, Tracking HV transactions and informing client time to time if churning not routing through us. In case of multiple banking proportionate churning to be checked.
• Client servicing through the Bank's "Outserve" mode with the aim of Customer delight

Key Responsibilities

Business

• Support Relationship Managers in handling a group of relationships to meet revenue and profit targets for these relationship
• Handle deals, together with the RM, from concept to completion with particular emphasis on transaction structuring and documentation
• Support RM for NTB clients to onboard where there is a scope of Trade and Bundles FX
• To maintain close rapport with clients and provide quality service
• Prepare high Quality Business Credit Applications with minimum subsequent rework and time.

Processes

• Support RM Daily Annotation of the transaction as per the DOI,
• Respond on Transaction Monitoring, SAR, RFI, CDD actionable timely closure within TAT. No pendency.
• Review and closure of ASTAR items, covenants, deferrals, Pending Documents with in TAT

People & Talent

• Ensure no overdue and all covenants like Stock and Book Debt Statement/Stock Audit/NPA reporting / Exchange of Information in case Multiple Banking complied with

Risk Management

• Reporting of deteriorating credit risks in his/her portfolio and ensuring that necessary steps Prompt recognition is taken to minimize loss to the Bank
• Renewals of the accounts to be done in timely or any extension required then prior to BCA expired approvals to be taken, Fx Past due and MTM/Grading and actionable as per GPN and comply as per the country regulatory.

Governance

• 100% commitment to code of conduct
• Timely completion of mandatory e-learning's

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group's Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• BB RMS – Agri & BWC
• Central Team – Agri & BWC
• CI Team
• External vendors
• CRC/Ops
• Policy
• ECDD

Other Responsibilities

• Embed Here for good and group's brand and values in India – Business banking team
• Perform other responsibilities assigned under group , country, Business or functional policies and procedures.
• Multiple functions (double hats)

Skills and Experience

• Computer proficiency
• Credit Analysis
• Stakeholder Management
• Knowledge of SME Lending Products

Qualifications

Graduate plus

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.