Credit An'yst

Job ID: 39969

Location: Bangalore, IN

Area of interest: Corporate & Commercial Banking

Job type: Regular Employee

Work style: Office Working

Opening date: 12 Sept 2025

**Job Summary**
- Credit & Client Risk Management (“CCR”) is an integral part of the CCIB. The CCR mandate is to deliver best in class credit analysis, monitoring and credit administration work to Stakeholder. The role is responsible for conducting a thorough and comprehensive credit assessment of counterparty’s credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department.**Key Responsibilities**
- Conducting a thorough and comprehensive credit assessment of counterparty’s credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department. Also involves continuous monitoring of credit profile and OR.**Strategy**
- Inline with CCIB and Group Strategy.

**Business**
- Support the CCIB Client Coverage team for Credit Analysis and other Client Risk activities.

**Processes**
- Responsible for evaluating the financial performance of corporate clients by understanding and spreading financial statements in standard templates, analysing economic conditions and industry trends, comparing counterparty performance relative to peers, client strategy and management assessment, incisive financial statement analysis using financial ratios, templates and models, complete covenant compliance, financial projection, peer analysis, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and providing a near term outlook and credit recommendation.
- Responsible for the accuracy of internal risk ratings and inputting financial and economic data in rating system.
- Working closely with onshore Analysts and credit officers in respective regions to evaluate risk and to monitor a client portfolio.
- Responsible to research, write and present financial and industry analysis impacting credit decisions and submit the documents for approval.
- Analysing and spreading the financial statements on credit lens.
- Participate in process improvement initiative of the team.

**People & Talent**
- Lead through example and build the appropriate culture and values in respective team.
- Set appropriate tone and expectations from their team and work in collaboration with stakeholder.
- Ability to independently drive initiatives with minimum hands-on supervision and collaborate with other resources in the team to deliver for the task

**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**
- In country Credit Analysis team

**Other Responsibilities**

**Functional -**
- Good conceptual knowledge on accounting fundamentals.
- Good knowledge on financial and banking products.
- Good understanding of rating methodologies
- Bloomberg and Reuters functional knowledge.

**Behavioural -**
- Result Orientation
- Client Focus
- Contribution to Strategy
- People Development
- Change leadership
- Cooperation
- Team Leadership

**Skills and Experience**
- Master’s degree in Business/Finance/Accounting and/or professional certifications such as:

- CA/CFA/CPA or equivalent
- International CFA or equivalent
- MBA (Finance) from reputed (Tier 1 or Tier 2 institutes)
- Relevant experience in credit analysis and credit support roles in the CCIB or Global Banking Sector (minimum of 3 years in Credit Analyst roles)
- Education certifications or qualifications are not mandatory if proven track record and sound knowledge gained by considerable experience in similar roles in other Banks or financial institutions or credit rating organisations
- Knowledge of banking products, associated risks and relevant processes gained either in banking, treasury or accounting roles in in the financial sector
- Ability to hold dialogues with clients and external stakeholders as well as internally across all levels.
- Ability to deal with competing demands and multiple priorities within strict timelines.
- Proven ability to operate across cultures and within a diverse workforce
- Ability to working in dynamic environment with a robust transformation agenda
- Excellent oral & written communication and presentation skills

**Role Specific Technical Competencies**
- Risk & Credit Und