Credit Analyst

Requisition Number: 45199

Job Location: Bangalore, IND

Work Type: Office Working

Employment Type: Permanent

Posting Start Date: 17/12/2025

Posting End Date: 31/12/2025

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Job Summary

• Credit & Client Risk Management ("CCR") is an integral part of CIB. 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.

• The role holder will be responsible for proactively managing the credit risk (monitoring and analysis) of a complex portfolio of Global Credit Markets (GCM) accounts in close co-ordination with the originating deal team.

• 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 for GCM accounts. Also, proactive management of the credit risk (monitoring and analysis) of a complex portfolio of GCM accounts.

Strategy

• In line with GCM and Group Strategy.

Business

• Proactive, comprehensive, and timely credit analysis through BCA renewals, quarterly performance reporting, waiver and amendment requests and documentation of credit events.
• Evaluation and understanding of risks associated with Financing Solutions/Leverage and Acquisition Finance/Project and Export Finance/Structured Finance assets, structural, contractual and external risks.
• Financial analysis of a complex customer base using credit skills, ratio analysis, balance sheet and cashflow analysis.
• Project cash flow forecasting, financial modelling.
• Evaluation of security, including parental support.

• Evaluation of project company management and strategy.

• Risk/mitigation analysis – Sponsor risk, offtaker / market risk, industry risk, supplier risk, technology risk, and other project risks.

• Take the lead on waivers / consents / amendments / extensions, prepare credit papers and liaise with internal stakeholders (E.g. CREF, Credit, GCIG, Legal etc) for timely approval decisions to the client.
• Responsible for the accuracy of internal risk ratings and inputting financial and economic data in rating system.

Processes

• Monitoring, review and reporting (where required) of covenanted items.
• Quarterly portfolio reporting.
• Portfolio Risk/Return analysis and profit optimisation.
• Timely response to portfolio related queries to other areas in the Bank.
• Accurate and timely responses to ad hoc reporting requests.
• Ensure that credit files are complete and maintained to an auditable standard.
• Timeliness and quality of credit analysis.
• Protection of the credit risk profile of the portfolio when making recommendations to credit; and
• Timeliness and accuracy in reporting.
• Active participation in projects which will impact upon the GCM Portfolio.
• Compliance with Bank policies and procedures.

Governance

• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
• Responsible for delivering 'effective governance'; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.

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

• Credit Risk, GCM Business Partners, Loan Syndications, Credit Insurance, Audit

Other Responsibilities

• Embed here for good and Group's brand and values in PAM team globally;
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Skills and Experience

• 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

Qualifications

• 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 up to 3 years in credit analysis and credit support roles in the Corporate or Institutional Banking Sector.
• 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 work in dynamic environment with robust transformation agenda.
• Excellent oral & written communication and presentation skills.

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.