84 Credit Analyst Jobs

Overall Job Description • Credit appraisal of prospective for SME a clients for fund based exposure like Working Capital, Overdraft/Cash credit/Term Loan etc. and non-fund based exposure like Letter of credit / Bank Guarantee etc. • It also includes preparation of detailed proposal notes and ensuring clearance from credit sanctioning committees. • Client meeting, do evaluation of prospective customer and market, understand clients requirement, structuring proposals/deals within Banks credit guidelines, Credit Programs and customers requirement. • Monitoring economic and industry developments as well as financial parameters of clients to detect potential risk triggers or signs of stress and taking appropriate steps to mitigate risks. • Performing detailed credit and background reference checks on all prospective for SME FI Clients. • Make presentation to sanctioning committees for sanctions and approval of credit files as per bank policy. • Joint monitoring of portfolio with account relationship team based on early warning systems. • Preparing Risk/ Rating sheets making recommendations to approving committees. • Approving cases within delegated powers. • Monitoring of portfolio on ongoing basis for early warning signals

About Bharat Banking The increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or Bharat markets To better capitalize on the growth runway and open the world of possibilities for the Bharat customer, the bank has set up a separate Bharat Bank vertical It is an amalgamation of products and geography, handling certain core products across the country and all the products in the RUSU branches The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring About the Role The Credit Analyst will manage the credit activities, processes for the B2B Wholesale Credit vertical for designated location Credit Analyst will be responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes and guidelines as designed by the bank Preparing sanction notes for Agri High Value PSL cases , SCF schemes and Bharat SCF cases to ensure maintenance of desired proposal quality, assess creditworthiness of customers and accordingly take decision to sanction or recommend for approval to higher authorities Analysis of financial statements, company background and other related quantitative and qualitative) Assign Internal rating to clients through Internal Rating Model, accordingly run revenue calculation score based on internal model and suggest risk based loan pricing for the proposed deal Suggest appropriate measures, covenants and deal structures to the Sanctioning Authority as Risk mitigants Interaction with all NTB/ETB cases along with Relationship Team in order to understand the business model and highlight key risks factors and mitigants to make the case bankable Co-ordinate with collections team for follow up and regularization of over-dues or other irregularities Regular monitoring of credit portfolio and quarterly financial performance of clients to ensure no fresh slippages towards delinquencies and detect early warning signals to be acted upon Ensure timely completion of limit renewals of the existing cases Understanding trade transaction requests made by client and providing credit approvals to execute the transaction Coordinating with Audit, Compliance, and operations for resolution of queries and documentations Qualifications Graduation/ Post- Graduation (MBA/ CA preferred not mandatory) Minimum 2-5 years of relevant work experience (Preferred experience in Credit vertical with expertise in CAM preparation for SME/Agri/Corporate borrowers) Role Proficiencies: Knowledge of industry Good communication (both verbal and written) skill Ability to handle pressure and meet deadlines

CBG:Credit Analyst INTERNAL USAGE No of Vacancies Reports to Is a Team leader? Team Size Grade Business Department CBG Sub - Department Location About Commercial Banking Group The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs to Rs 250 Crs by offering products & solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc About the Role Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc) Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conduct review / renewal of accounts Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc Qualifications Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

CBG:Credit Analyst INTERNAL USAGE No of Vacancies Reports to Is a Team leader? Team Size Grade Business Department CBG Sub - Department Location About Commercial Banking Group The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs to Rs 250 Crs by offering products & solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc About the Role Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc) Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conduct review / renewal of accounts Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc Qualifications Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

Preparation of written credit proposals combining financials analysis with sectorial information to support credit committee decisions regarding the clients risk of default, credit rating and adequacy of the proposed financing. Liaison with Credit Risk, Compliance to get the credit memo approved internally Handling Early Warning Signal meetings with appropriate responses for each observations Ensuring overall portfolio hygiene Assisting Senior Relationship Managers on clients meetings, internal presentations and MIS’s Handling various legal, compliance, audit observations aspects of the proposals. Visiting clients to improve business relationship with them Proactively understanding & assisting RMs/ SRMs in preparation of business/account plans, target client identification. Plant visit, regularly interacting with clients, external rating analysts and maintaining call reports Analyzing quarterly financial performance, stock statements, stock audit reports and highlighting trends and deviations. Pro-active participation in process transformation initiatives with focus on cost reduction and customer delight Enable RM/SRMs to drive growth targets by providing necessary support Ability to put forth independent views and come up with analysis/ways to help RMs/SRMs in effective cross sell and optimal use of Bank’s loan/non loan products

CBG:Credit Analyst INTERNAL USAGE No. of Vacancies Reports to Is a Team leader Team Size Grade Business Department CBG Sub - Department Location About Commercial Banking Group The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products & solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc. About the Role Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements Key Responsibilities Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc. ) Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conduct review / renewal of accounts Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc. Qualifications Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

About Commercial Banking Group The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc About the Role Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements Key Responsibilities Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc. ) Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conduct review / renewal of accounts Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc. Qualifications Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

Job Title: Credit Analyst Asset & Investment Management Location: [Specify location] Experience: 6 months to 2 yrs Working Model: Work from Office Job Description: We are looking for a detail-driven and financially sound Credit Analyst to join our asset management division. The role requires evaluating creditworthiness, understanding financial statements, and supporting investment decisions across Alternate Investment Funds (AIFs) and asset classes. Key Responsibilities: Analyze financial statements, ratios, and balance sheets to assess credit risk Conduct in-depth credit checks and due diligence on potential investments Support the investment team in identifying and evaluating asset opportunities Collaborate with fund managers to assess AIFs and other investment vehicles Monitor the performance of investments and prepare risk assessment reports Maintain and update internal databases on credit profiles and market insights Requirements: Bachelor’s degree in Finance, Accounting, Economics, or related field (MBA/CFA , CMA is a plus) 6 months to 2 yrs of experience in credit analysis, preferably in asset or investment management firms Strong understanding of financial ratios, asset performance, and investment principles Exposure to Alternate Investment Funds (AIFs) or similar products is desirable Proficient in MS Excel and financial modeling Analytical mindset with excellent written and verbal communication skills Work Details: Shift Timing: Day shift (e.g., 9:30 AM to 6:30 PM – update as needed) Working Days: 6 days a week (Work from Office) Location : Annasalai Chennai

About Commercial Banking Group The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc About the Role Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements Key Responsibilities Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc. ) Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conduct review / renewal of accounts Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc. Qualifications Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

CBG:Credit Analyst INTERNAL USAGE No. of Vacancies Reports to Is a Team leader Team Size Grade Business Department CBG Sub - Department Location About Commercial Banking Group The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products & solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc. About the Role Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements Key Responsibilities Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc. ) Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conduct review / renewal of accounts Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc. Qualifications Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

Credit Analyst - Working Capital - Mumbai / Hyderabad - Bank. Person taking care of mid corporate.

About Bluevine Bluevine is transforming small business banking with innovative solutions like checking, lending, and credit all tailored to help entrepreneurs thrive. With best-in-class technology, advanced security, and a deep understanding of the small business community, we re empowering entrepreneurs to grow with confidence. Backed by leading investors like Lightspeed Venture Partners, Menlo Ventures, 83North, and Citi Ventures, we ve been supporting SMBs since 2013, serving over 750,000 customers nationwide and growing a dynamic global team of 500 people. Our missionTo fuel small businesses with the financial tools they need to succeed. At Bluevine, you ll be part of a collaborative, fast-paced team that s reshaping the future of banking. Ready to make an impact This is a hybrid role . At Bluevine, we pride ourselves on our collaborative culture, which we believe is best maintained through in-person interactions and a vibrant office environment. All of our offices have reopened in accordance with local guidelines, and are following a hybrid model. In-office days will be determined by location and discipline. ABOUT THE ROLE: As an Associate Credit Analyst at Bluevine you ll be responsible for gathering and analyzing data to verify the creditworthiness of the borrower. Associate Credit Analysts at Bluevine should be able to multi-task and deliver accurate results within established service level timeframes. Associate Credit analysts will work alongside the Credit Analysis Manager, underwriting team and are exposed to all aspects of FinTech operations in a high-growth startup environment. WHAT YOULL DO: Review loan applications to verify credit qualification criteria and financial data assessment. Support the Credit Operations Manager by answering questions, providing feedback, and investigating escalated issues. Analyze bank data, public data, and conduct KYC, and KYB on all applicants. Identify gaps in automation and process improvements in the borrower application process. Assist the Loan Servicing department in the maintenance of loan files and closing requirements. Work on routine assignments and ad-hoc projects that require limited judgment. WHAT WE LOOK FOR: 1 year of experience as credit analyst, consumer/business lending, personal banking, or similar. Bachelor s degree in Business Administration, Finance, Economics, Accounting Problem-solving skills. Passion for delivering a great customer experience. Impeccable judgment and acute attention to detail. Excellent communication skills (oral & written). Track record of high-performance. EXPERIENCE DESIRED: Familiarity with underwriting loans, financial statements and tax documents is a plus. Banking or Fintech experience is a plus. Benefits & Perks Excellent group health coverage and life insurance Stock options Hybrid work model Meal allowance Transportation assistance (terms and conditions apply) Generous paid time off plan, Holidays Company-sponsored mental health benefits Financial advisory services for both short- and long-term goals Learning and development opportunities to support career growth Community-based volunteering opportunities

Job Title Credit Analyst Insurance Division GAC Department Global Analytical Centre Analytical Location Pune Role Summary Functional Responsibility/Domain Related Support global Credit Analyst(s) to track the performance of a portfolio of Insurance Companies operating mostly in the North American/European markets, and to respond to credit events with the purpose of enabling timely and accurate credit ratings and research Track and understand industry, regional and regulatory dynamics and trends Understand the portfolio of credits tracked and flag rating/outlook triggers to the global credit analyst Understand the rating criteria and apply the same on day to day activities/deliverables Analyze financial and operational performance; work on financial models and projections; and conduct peer analysis Prepare/draft internal credit analysis/assessment packs and notes Assist Global Credit Analyst(s) in the preparation of publishable credit rating and research reports 1. Process Adherence Follow defined processes in day-to-day execution of assignments Ensure retention, documentation, and dissemination of knowledge Strictly practice and follow all Compliance, Confidentiality, and Information Security Policies, Procedures and Guidelines of the Organization. Trading/holding in shares belonging to a Financial Institution/Insurance company is regulated 2. Client Management/Stakeholder Management Build and maintain strong relationships with international clients Manage a wide range of requests from various global Credit Analysts Understand and contribute proactively to client priorities Candidate Profile 1-3 Years of relevant experience in credit analysis and ratings, credit research, and report writing, covering global markets (preferably North American/European countries) or domestic markets for Insurance sector/ Financial Institution Excellent oral and written communication skills Good understanding of international accounting standards, banking-related financial concepts, and strong analytical skills Good interpersonal skills and ability to work with the larger team, and lead and mentor team members Essential Qualifications Two years full-time MBA (Finance) or equivalent OR CA Preferred Qualifications Two years full-time MBA (Finance) or equivalent OR CA

Role Summary Functional Responsibility/Domain Related Support global Credit Analyst(s) to track the performance of a portfolio of Banks and Financial Institutions operating mostly in the European markets, and to respond to credit events with the purpose of enabling timely and accurate credit ratings and research Track and understand industry, regional and regulatory dynamics and trends Analyze financial and operational performance; work on financial models and projections; and conduct peer analysis Prepare internal credit analysis and notes Assist global Credit Analyst(s) in the preparation of publishable credit rating and research reports 1. Process Adherence Follow defined processes in day-to-day execution of assignments Ensure retention, documentation, and dissemination of knowledge Strictly practice and follow all Compliance, Confidentiality, and Information Security Policies, Procedures and Guidelines of the Organization. suggest that trading/holding in shares belonging to a Corporate entity/Infrastructure company is prohibited 2. Client Management/Stakeholder Management Build and maintain strong relationships with international clients Manage a wide range of requests from various global Credit Analysts Understand and contribute proactively to client priorities. Candidate Profile 1-3 OR 3-6 Years of relevant experience in credit analysis and ratings, credit research, and report writing, covering global markets (preferably European countries) or domestic markets for Banking Sector/ Financial Institute

As a Credit analyst expert, you will be directly reporting to the Asset manager in US. Your responsibilities will include providing financial insights and projections to the Asset manager You will provide reliable data and analysis to be used in decision-making. You will assist in the drafting of credit memo, Loan Template, Property Template, credit report and performing analysis, identify action items, and effectively frame decisions that need to be made. Responsibilities Provide support to the Asset manager in setting up new investments into iLEVEL, drafting credit memos, credit reports, and analysis reports. Identify and understand business challenges; propose and create solutions. Evaluating third-party management company effectiveness; assessing whether manager s oversight of financial performance and quality of resident care meet expectations Analysing census, operations, clinical and financial performance on an on-going basis Reviewing and assessing reasonability of annual operating and capital budgets On a quarterly basis, produce a portfolio variance summary report showing each Project and its operating performance relative to the corresponding Approved Budget Acting as project manager and serving as primary day-to-day liaison to third-party management companies and reporting to unit leader on their requests for working capital, capital improvement funds and approvals required under the management agreement. Following the completion of the calendar year, prepare and submit a year-end report that will include: The actual operating results for each Project, along with a written explanation of whether loan operations for the calendar year, in fact, met or exceeded the Approved Budget and A discussion regarding the Approved Budget as it relates to the anticipated operating performance for the upcoming year to facilitate Owner s evaluation of the proposed Budget for the upcoming yea

You will be responsible for interpreting Credit Bureau Reports, assessing income, analyzing bank statements, and determining eligibility. Your role will involve interacting with customers to understand their needs and providing suitable solutions. Additionally, you will calculate Net Present Values of maturing assets using Excel sheets or programs. You must have knowledge of basic legal documentation and technical fundamentals related to loan acquisitions. Familiarity with the cash flow method for assessing NRI Loans and evaluating Self Employed Loans will be essential. Supervising non-sales staff and coordinators is also part of your responsibilities, including sanctioning, disbursement, and project approval activities. Prior experience as a Credit Analyst will be advantageous. You will collaborate closely with the firm's partner. The ideal candidate should have completed CA/MBA in Finance, possess work experience in Finance and Credit teams, and demonstrate strong oral and written communication skills. Being a self-starter, proactive, and capable of managing deliverables independently is crucial. You should have a good understanding of timelines and deadlines, requiring minimal guidance. This is a full-time, permanent position with a day shift schedule. A minimum of 2 years of total work experience is required. The work location is in person.,

As a Team Leader in the Credit Advisory Department, you will be responsible for leading and motivating a team of Credit Analysts and Relationship Managers to provide debt advisory services to corporate and business clients. Your role will involve taking ownership of the Profit & Loss, devising execution plans, nurturing client relationships, monitoring performance, and fostering team development to ensure excellent service delivery and operational efficiency. You will engage with corporate clients, including MSMEs and Mid Corporates, to offer expert advice on a variety of banking and financial products available across multiple Banks, NBFCs, and AIFs. It is crucial to possess a strong financial acumen and comprehensive knowledge of the company's offerings to identify customer needs and provide suitable recommendations. Collaboration with banks and financial institutions to facilitate the implementation of business proposals will be a key aspect of your responsibilities. Additionally, you will be required to provide market intelligence updates and negotiate terms and conditions for ongoing assignments. Leading a high-performing team, you will focus on delivering exceptional client service, achieving targets, and enhancing team performance and operational efficiency through strategic planning. Building and maintaining strong relationships with key clients, addressing their financial needs promptly and professionally is essential. Setting clear performance metrics, providing feedback, coaching, identifying training needs, and facilitating ongoing development programs for team members will be part of your leadership responsibilities. You will act as a point of escalation for complex client issues, ensuring timely and effective resolution while upholding high levels of client satisfaction. Staying updated on market trends, competitor activities, and regulatory changes will enable you to proactively guide team strategies and client offerings. The ideal candidate for this role should be a CA Qualified professional with a minimum of 3 years of experience in a team leader role and 3-5 years of relevant experience in Business Banking, MSME, working capital exposure, or mid-market exposure in Banks, NBFCs, or corporate financial advisory companies. Join our company, a strategic partner dedicated to unlocking the full potential of businesses with a team of experienced ex-bankers, industry leaders, and financial experts committed to driving sustainable growth for businesses like yours.,

As a Customer Service & Operations Credit Analyst, you ll deliver successful customer and business outcomes by processing, authorising, and investigating all transactions to defined key performance indicators and service level agreements. In doing so, you ll identify opportunities to enhance processes and enable the provision of a superior customer and business experience. In addition, you ll: Review documentation including loan applications, disclosures, and credit evaluations Authorise and investigate all credit operations transactions Collect and analyse the required information from the customers and businesses Review credit operations processes which could be automated or enhanced to improve the customer and business experience The skills youll need To succeed in this role, you ll need to have the ability to understand and listen to our customers, develop relationships, and maintain an understanding of their needs. You ll also have the ability to adapt to fast-paced environments and you ll have effective organisation skills to deliver to deadlines. You ll also need: Customer service abilities along with customer and industry knowledge An awareness of changes in trends, policies, and regulations An understanding of our industry and its customers Experience of managing stakeholder relationships

Conduct thorough annual reviews of existing credit facilities in the energy and infrastructure sectors, assessing performance, risk factors, and compliance with covenants. The annual review reports on asset level performance with reference to the financial close and updated base cases. For greenfield/construction assets periodic monitoring of construction progress via review of the contractor/ Lender Technical Adviser reporting. Monitor and manage a diverse portfolio of energy and infrastructure assets, ensuring alignment with investment strategy and risk appetite. Develop and maintain financial models to evaluate the creditworthiness of counterparties and assess the impact of market changes on portfolio performance. Information and Financial Covenant monitoring for the EIF UK portfolio. Support the EIF team by attending relevant internal meeting and actioning follow ups as necessary including weekly EIF Team meetings, monthly GLO meetings. Core skills and knowledge : Fluent in English and excellent oral and written skills Knowledge of the Energy and Infrastructure sector and its debt financing structures preferred. Good team player who is able to deliver in a time-efficient manner. Excellent command of PowerPoint, Word, Excel, and other relevant tools and databases To act with integrity at all times and embrace the philosophy of treating our customers fairly (compulsory) Regulatory Knowledge as applicable to role (compulsory)

Join us as a Customer Service & Operations Credit Analyst We ll look to you to deliver successful outcomes for your customers by investigating their queries and understanding their needs You ll be liaising with customers and businesses to accurately collect information in order to solve their queries You ll be able to showcase your knowledge and enthusiasm as you deal with a variety of different customers on a daily basis Were offering this role at senior analyst level What youll do As a Customer Service & Operations Credit Analyst, you ll be responding to queries from customers promptly and tactfully within our SLAs. We re looking for someone with strong interpersonal skills to listen to our customers, develop relationships with them and maintain an understanding of their needs at all times. Your day-to-day will include: Collaborate with Credit Delivery, Risk, and Relationship teams to ensure smooth execution of complex lending structures. Demonstrate strong working knowledge of Risk-Free Rates (RFRs) such as SONIA, SOFR, including their impact on loan pricing, interest calculations, and fallback provisions Authorising and investigating all transactions to our KPIs Collecting and analysing the required information from the customers and businesses Reviewing processes which could be automated or enhanced to improve the customer and business experience Ensure accurate data entry and maintenance in core banking systems, supporting audit readiness and reporting requirements. Interpret complex loan agreements to extract key operational details such as interest rate conventions, repayment schedules, covenants, and fee structures, and accurately input these into LIQ. Supporting with process training and knowledge sharing in the team The skills youll need In order to excel in this role, you ll have strong customer service abilities along with customer and industry knowledge. You ll also work well in a fast-paced environment and have good organisational skills for delivering to deadlines. You ll also demonstrate: An awareness of changes in trends, policies and regulations An understanding of our industry and its customers

We ll look to you to deliver successful outcomes for your customers by investigating their queries and understanding their needs You ll be liaising with customers and businesses to accurately collect information in order to solve their queries You ll be able to showcase your knowledge and enthusiasm as you deal with a variety of different customers on a daily basis Were offering this role at senior analyst level What youll do As a Customer Service & Operations Credit Analyst, you ll be responding to queries from customers promptly and tactfully within our SLAs. We re looking for someone with strong interpersonal skills to listen to our customers, develop relationships with them and maintain an understanding of their needs at all times. Your day-to-day will include: Authorising and investigating all transactions to our KPIs Collecting and analysing the required information from the customers and businesses Reviewing processes which could be automated or enhanced to improve the customer and business experience Supporting with process training and knowledge sharing in the team

Role & responsibilities • Appraises /recommends/ approves credit proposals as per the delegation of authority. • Reviews delinquent cases and document learnings / portfolio reviews for risk management. • Conducts process audits and reports delinquencies and anomalies. • Recommends changes to policy/process based on local nuances / competitor feedback. • Implements system integration plans. • Monitors NPA and keeps a track of it. • Ensures field customer visits for PD and deliveries within agreed TAT. • Managing all CPAs(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team. • Ensures maintenance of Healthy Portfolio for the bank. • Makes customer visits wherever required to ensure appropriate closure of the deal Preferred candidate profile

The Institutional Credit Managements (ICM) aims to provide an integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit businesses. Wholesale Credit Risk (WCR) In-Business Quality Assurance (QA) is an essential component of the ICM organization, ensuring that established standards and processes are consistently followed. WCR In-Business QA plays a crucial role in assessing the quality of the group's policies, procedures, programs, and practices related to the management of wholesale credit risk. The results of quality assurance reviews (QARs) help identify operational and control weaknesses, training needs, and process deficiencies, enabling management to mitigate risks effectively. As the WCR Head of In-Business QA, you will report the results of QARs, providing valuable feedback, insight, and observations on deficiencies and areas of improvement to the respective WCR businesses and other relevant stakeholders. This role is based in Mumbai and reports to the In-Business QA Wholesale Credit Analytics (WLCA) Head. Key responsibilities include supporting Portfolio Leads in the implementation and delivery of a robust Quality Assurance function covering various areas such as ICM, Commercial Lending Management, Corporate Banking, and Services. You will provide challenge during QARs to identify credit review and process adherence weaknesses, ensuring that risks are effectively identified, measured, monitored, and controlled in alignment with the bank's risk appetite and established policies. Additionally, you will assist in preparing Quality Assurance Reports, engage with 1LOD functions, establish QA policies and procedures, conduct population analytics, stay updated on industry changes, and support internal projects and initiatives. The ideal candidate will have a strong assurance background in corporate banking, credit risk management, or quality assurance functions, with knowledge of Wholesale Credit Processes and strong analytical skills. Skills required for this role include demonstrable assurance experience, organizational awareness, understanding of policies and procedures, market knowledge, and strategic orientation. Effective interpersonal skills, organizational abilities, written and verbal communication skills, and proficiency in Microsoft Office tools are also essential. A BA/BSc or higher degree in Business or a related field is required for this position. If you are passionate about driving best practices in credit risk management, possess the necessary skills and qualifications, and thrive in a dynamic environment, we invite you to apply for this challenging opportunity at Citi.,

Experience Range - 3+ years About the client: Our client, is a SEBI Registered Category-I Merchant Banker, offers a diverse range of financial services, specializing in Investment Banking, Financial Advisory, and Debt Capital services for institutions, corporates, promoters, and high-net-worth clients. Job Roles and Responsibilities: Handle a small team/group of credit analysts. Preparation of Financial Projections Corporate Presentation Proposal notes Coordination with lender etc. Qualification and Experience: Experience in preparation of Financial Projections,Company Presentations, Bank proposal, Co-ordination with bank etc. Experience in handling syndication/ sanction of loans of value more than INR 15 crores for corporates/NBFC/Real estate. Candidate with experience in handling Stressed assets transaction/One time settlement (OTS) /)/Restructuring,/Insolvency & Bankruptcy Code (IBC) case or worked under Insolvency Practitioner (IP) can also be considered. Working in the finance department of companies having borrowings of over Rs.300 crores. Excellent command over Excel and Powerpoint CA/MBA/CFA

Our fixed income philosophy: Know the risk. Own the insight. Protect the downside. Were not just looking for a Credit Analyst. The person needs the conviction in his views to take risks, and not just benchmark to others in the industry. The edge in financial markets comes by not being in bandwagon, but willingness to go beyond the ordinary. The person should be ready to put his neck online by giving actionable views that will get alpha. What does value mean in credit research It means surfacing risks others miss. It means asking uncomfortable questions in comfortable rooms. It means protecting portfolios when markets forget to. We re looking for: A sharp eye for financial statements and ratios. A curious mind that questions assumptions. A talent to evaluate business models whether it s a steel plant or a fintech. A solid understanding of credit rating frameworks and the confidence to challenge. A pulse on macro trends and sectoral shifts. Comfort reading between the covenants, and not just the lines. You must love for : Writing crisp, well-reasoned reports. Presenting to investment committees with clarity and confidence. Engaging with company management, rating agencies, and market participants. Staying organised we value record-keeping as much as insight. Working in a tightly regulated setup with auditors around the corner. Using tools like Bloomberg to extract the truth hidden in numbers. You bring: Risk perception that s instinctive, yet backed by data. Curiosity to learn across sectors. Professionalism, integrity, and the ability to hold ground in debates. Energy to work independently, and humility to collaborate as a team. Discipline to juggle multiple issuers, deadlines, and reviews. If this sounds like your kind of challenge don t just send us your CV. Tell us how you assess credit. Write to us about a credit that surprised you for better or worse. Or tell us what youd do differently if you were the rating agency. We re not hiring for a checklist. We re hiring for perspective.