Senior Credit Expert

1 week ago

Bengaluru, Karnataka, India beBeeCredit Full time ₹ 1,50,00,000 - ₹ 2,50,00,000
Job Overview

This role focuses on delivering high-quality credit analysis to support the bank's risk management framework.

About the Role

The ideal candidate will possess extensive knowledge of risk assessment and portfolio risk management, as well as strong analytical skills.

Key Responsibilities
  • Lead credit reviews and analyse client credit risk to ensure creditworthiness.
  • Provide timely and insightful client portfolio credit analysis.
  • Accountable for proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events.
  • Determine client fraud risk assessments to defined standards, documenting residual risks and mitigants.
  • Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers and Product teams with product solutioning and recommendations.

The role requires a deep understanding of industry risks and client competitive positioning within the industry, including:

  • Client funding strategy, financial policies, treasury activities, including hedging, and cash management.
  • Analyse client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability.
  • Reputational risk profile, including climate and sustainability risks.
Requirements
  • Risk management lifecycle.
  • Financial forecasting and modelling.
  • Financial and quantitative skills.
  • Client due diligence.
  • Data analysis and visualisation.

The ideal candidate will have experience in a similar role, with a strong understanding of credit risk management and analytical skills. A degree in a related field is required, with a postgraduate qualification being an advantage.

About Us

We are a global banking organisation committed to making a positive impact. Our team values diversity and inclusion, and we strive to create a workplace that reflects the diversity of our clients and communities.

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