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 apply sound judgement with critical thinking skills
• 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 Underwriting
• Analytical Skill, including an understanding of key financial components with the ability to identify root causes and trends.
• Knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
• Industry research capabilities including risk and key drivers
• Written and Verbal communication skill with the ability to communicate clearly and concisely to audiences
• Proficient Microsoft Office (Word, Excel and PowerPoint) skill

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.