TFL – Lending, Associate

Job Title: TFL – Lending, Associate

Location: Bangalore, India

Role Description

• We are seeking a detail-oriented and analytical professional to join our team as an Analyst responsible for performing balance sheet spreading of corporate clients using the BARS (Balance Analysis and Risk Scoring) system. This role is critical in supporting credit risk assessment and financial analysis processes.
• Lending Operations team is responsible in managing Lifecycle events on Syndicated Loan Deals, which provides Middle Office and Back Office support to Corporate and Investment banking divisions of the bank. The team is also involved in various aspects of recording and maintaining all Middle and Operational Roles of Loan Life Cycle includes trade support, trade documentation, trade settlements, cash reconciliation, Drawdown, Re-pricing, Payment. Team works closely with stakeholders in the Finance, Credit and technology divisions for multiple business lines such as Distressed Product Group (DPG), Commercial Real Estate (CRE) Global Credit Trading (GCT), Credit Solutions Group (CSG), and Structured Trade & Export Finance (STEF) etc. The role is demanding, complex & critical in nature and requires interaction with Front Office, Business, CRM Finance, Sales, Agent Bank and Clients.

What we'll offer you

As part of our flexible scheme, here are just some of the benefits that you'll enjoy,

• Best in class leave policy.
• Gender neutral parental leaves
• 100% reimbursement under childcare assistance benefit (gender neutral)
• Sponsorship for Industry relevant certifications and education
• Employee Assistance Program for you and your family members
• Comprehensive Hospitalization Insurance for you and your dependents
• Accident and Term life Insurance
• Complementary Health screening for 35 yrs. and above

Your key responsibilities

• Accurately spread financial statements (balance sheet, and income statement) of corporate clients into the BARS system.
• Analyze financial data to ensure consistency, accuracy, and completeness.
• Collaborate with credit officers and relationship managers to clarify financial inputs and resolve discrepancies.
• Maintain documentation and audit trails for all financial spreads.
• Ensure compliance with internal policies, regulatory requirements, and data quality standards.
• Support periodic reporting and data validation exercises.
• Maintains the highest level of confidentiality with all information obtained.
• Meets expectations for attendance and punctuality.
• Manage the daily operations of the department in an efficient and effective manner
• Establish and maintain an efficient and productive working environment within the department based on continuous and effective staff communication.
• Participates in the review and recommendations of operational systems and procedures
• Communicate with management team to coordinate system and control activities

Your skills and experience

Considering the demanding, complex & critical nature of the role and able to work in fast passed environment with consistent deadlines, candidates should meet the below requirements.

• Bachelor's degree in finance, Accounting, or a related field.
• German Language proficiency – B1 and above
• Strong understanding of financial statements and accounting principles.
• Proficiency in Microsoft Excel; experience with BARS or similar financial spreading tools is a plus.
• 5+ years of experience in financial analysis, credit risk, or a similar role.
• High attention to detail and accuracy.
• Strong communication and collaboration skills.
• Excellent verbal & written communication along with dynamic & confident approach.
• Flexible with Shift.
• Ability to implement tasks and projects with minimal supervision.
• Team player who fosters team spirit in a global setting.

How we'll support you

• Training and development to help you excel in your career.
• Coaching and support from experts in your team.
• A culture of continuous learning to aid progression.
• A range of flexible benefits that you can tailor to suit your needs.

About us and our teams

Please visit our company website for further information:

We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively.

Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.

We welcome applications from all people and promote a positive, fair and inclusive work environment.