Strategic Corporate Banking Portfolio Manager

About Us:

We are a global leader in financial services, operating in over 40 markets worldwide. Our extensive commercial and investment banking products and services cater to businesses, governments, and individuals globally.

Mission Statement:

We strive 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.

Our India Operations:

Established in 2020, we have offices in Bengaluru and Mumbai. Our India operations serve as a Global Capability Centre / Centre of Excellence, providing support services across various functions such as IT, KYC / AML, Credit, Operations etc. to our global network.

Job Title: Japanese Corporate Banking, Portfolio Management Group

Corporate Title: Assistant Vice President

Reporting to: VP / Director

Location: Mumbai

• Support the Portfolio Management Group and handle credit coverage for EMEA subsidiaries of Japanese Corporates.
• The Senior will be a corporate finance risk manager, supporting EMEA subsidiaries of publicly traded Japanese corporations. The critical function of assessing risk factors associated with a credit and determining appropriate rating based on established policies and guidelines. Responsibilities will include supporting the active credit management of a designated portfolio utilizing solid credit and analytical skills. Provide continuous oversight of portfolio names, monitoring for potential upgrading, downgrading and credit deterioration with the goal of maximizing net income and reducing credit costs.
• Additionally, the senior will be mentoring the junior staff, providing daily guidance as needed

• Active Portfolio Management of Designated Customers under the Guidance of Senior Portfolio Managers
• Manage a designated portfolio of Japanese corporate credit customers.
• Perform due diligence and scheduled reviews regularly.
• Analyze credit risk of the designated portfolio, determine accurate ratings, and make recommendations of accurate and timely ratings to management with support from senior portfolio managers.
• Prepare detailed credit analysis and credit applications in accordance with EMEA Credit Policy, Credit-Related Procedures, Credit Rules, and JCB Credit Operating Manual, evaluating the borrower's industry / business / legal / financial risks and recommending extensions of credit to management.
• Oversight of covenants compliance, facility due date, condition / instruction / report required.
• Ongoing training to enhance the all-around skill sets of a portfolio manager.
• Perform other related functions as assigned.

• Work with business lines / product groups to identify prospective transactions.
• Identify structural risks and mitigants in prospective transactions and recommend / enhance structuring of deals and covenants in line with policies and procedures.
• Advise relationship managers on credit risk issues, terms & conditions, to create the best possible deal with a goal of improving profit and minimizing credit cost with support from senior portfolio managers.
• Communicate with credit divisions with regard to rating rationale, facility structuring / exposures, and ensure credit divisions are furnished with all credit related information / analysis pertinent to making a decision.

• Ensure compliance with external regulatory requirements (JFSA, BOJ, PRA etc).
• Ensure compliance with internal policy and procedures by understanding and adhering to EMEA Credit Policy, Credit-Related Procedures, Credit Rules, Procedures for Credit Ratings, JCB Credit Operating Manual, and any other applicable pronouncements.
• Support and mentor junior analysts in credit risk management process
• Train and support junior analysts on OJT basis as assigned by MD or Team Leader
• Guide junior analysts in completing complex assignments
• Study, develop and enhance analytical skills of the team through close communication

• 6-8 years of working experience in financial institutions or equivalent, in accounting / financial analysis areas.
• Excellent communication skills (both oral and written).
• Japanese language skill preferred
• MBA Finance or CA or CFA degree required
• Completion of formal credit training is a plus.

We are an Equal Opportunity Employer and do not discriminate based on protected status.