Associate Director

Job requisition ID :: 93411

Date: Nov 27, 2025

Location: Bengaluru

Designation: Associate Director

Entity: Deloitte Touche Tohmatsu India LLP

Your potential, unleashed.

India's impact on the global economy has increased at an exponential rate and Deloitte presents an opportunity to unleash and realize your potential amongst cutting edge leaders, and organizations shaping the future of the region, and indeed, the world beyond.

At Deloitte, your whole self to work, every day. Combine that with our drive to propel with purpose and you have the perfect playground to collaborate, innovate, grow, and make an impact that matters.

Work you'll do

In our team you'll build and nurture positive working relationships with teams and clients with the intention to exceed client expectations. You'll:

• Perform comprehensive credit assessments, including financial analysis, business evaluation, peer benchmarking, and ESG review, with emphasis on corporate clients.
• Prepare underwriting papers, credit notes, renewal proposals, and new-money requests by synthesizing borrower financials, sector data, and internal risk guidelines.
• Contribute analytical insights during deal discussions and credit committee/approval forums.
• Support Business with financial spreading, data verification, documentation checks, and portfolio-related queries.
• Coordinate with Legal and Operations to ensure facility and security documentation is accurate and compliant with approved terms.
• Monitor portfolio performance through covenant tracking, exposure review, early-warning indicators, and adherence to approval conditions; escalate deviations when required.
• Conduct sector and counterparty research, including climate-risk and sustainability-related assessments.
• Tenured professionals to lead the credit underwriting team by allocating work, reviewing outputs, coaching analysts, and enhancing overall credit-writing capability.
• Provide guidance on deal structuring and collaborate with RMs, Risk, Legal, and Operations to finalise covenants, terms, and execution requirements.
• Maintain clear communication with business, risk, and support teams to ensure smooth and controlled credit execution.

Skills

• Advanced financial analysis, credit ratios, cash-flow evaluation, lending structures
• Financial modelling, excel proficiency, data validation
• Credit policy interpretation, documentation governance, controls
• ESG and climate-risk assessment exposure
• Stakeholder management, negotiation, and team guidance (for senior levels)

Qualifications

• Postgraduate degree or professional qualification preferred (CA / CFA / FRM).
• Strong grounding in credit analysis, financial ratios, corporate finance, and banking products.
• Deep familiarity with credit controls, documentation standards, governance, and audit-focused processes.
• Understanding of ESG/climate-risk principles (preferred).

Notice Period: 0–2 months

Location: Bangalore preferred (also open to other locations on an exceptional basis)

How you'll grow

Connect for impact

Our exceptional team of professionals across the globe are solving some of the world's most complex business problems, as well as directly supporting our communities, the planet, and each other. Know more in our Global Impact Report and our India Impact Report.

Empower to lead

You can be a leader irrespective of your career level. Our colleagues are characterised by their ability to inspire, support, and provide opportunities for people to deliver their best and grow both as professionals and human beings. Know more about Deloitte and our One Young World partnership.