301 Credit Rating Jobs in Arcot

Are you a finance professional with strong expertise in Credit Underwriting, Financial Analysis, and Commercial/Corporate Loans !! Role: Credit Analyst Experience: 5 14 years Notice Period: Immediate Key Skills: Credit Analysis | Commercial & Corporate Loans | Financial Modelling | Risk Assessment | Credit Underwriting | Credit Appraisal | Report Writing Must-Have Expertise: End-to-end Credit Report preparation (Industry & Peer Analysis, Risk Rating, Documentation, Collateral) Financial Analysis (Cash Flow, Working Capital, Leverage, EV, Projections) Understanding of Covenants (Financial & Non-Financial) Exposure to US clients preferred Education: CA / CFA / MBA (Finance / Economics)

Gathers and analyzes loan applicants financial data to evaluate risk. Assesses creditworthiness of individuals, companies, and institutions. Collaborates with other financial experts to approve or deny loans. Makes recommendations about whether to increase, adjust, extend, or close lines of credit. Undertakes risk analysis using regional, sector-specific, environmental, and other financial data. Prepares and presents credit reports. Completes quality assurance reviews. Gauges market trends. Monitors and adheres to collateral compliance covenants. Ensures that all loans are made in adherence with federal, state, and local financial regulations. Analyzes data to verify information and uncover fraud. Helps to update and improve credit rating criteria. Authors documents on credit risk and related financial matters. Communicates credit decisions and policies to fellow employees and credit applicants. Oversees or undertakes document preparation.

As a Senior Quantitative Analyst (Model Developer/Validator) at our company, you will play a crucial role in driving sophisticated credit risk modeling initiatives across retail and wholesale portfolios. Your primary focus will be on Internal Credit Risk Rating modeling, where your deep domain knowledge and advanced technical skills will be instrumental in developing and validating advanced credit risk models. Key Responsibilities: - Lead the end-to-end development and validation of advanced credit risk models, including PD, EAD, LGD, with an emphasis on Expert judgement-based PD models for Corporate, Specialised Lending, and Financial Institutions. - Conduct comprehensive data preparation and preprocessing using tools such as SAS, Python, R, and SQL. - Collaborate with cross-functional stakeholders to analyze, interpret, and communicate complex model results and insights. - Develop comprehensive technical documentation, including Regulatory compliance Model documentation, Test plans, Validation reports/Findings Report, and Business Requirements Documents (BRD) where applicable. - Drive continuous model improvement by identifying optimization opportunities, implementing advanced modeling techniques, and enhancing model performance and predictive accuracy. - Provide mentorship and technical guidance to junior team members, fostering a culture of knowledge sharing and professional development. Required Qualifications: - 5-10 years of hands-on experience in credit risk model development and validation. - Proven expertise in modeling across retail and wholesale credit portfolios. - Advanced proficiency in SAS, Python, R, SQL. - Deep understanding of IFRS9 and CECL regulatory frameworks and guidance. - Exceptional analytical and problem-solving skills. - Excellent written and verbal communication abilities. Preferred Qualifications: - Advanced degree in Statistics, Mathematics, Economics, or a related field. - Professional certifications in risk management or financial modeling. - Experience with IRB modeling, machine learning/advanced statistical modeling techniques. - Knowledge of Basel regulatory guidance. Technical Skills: - Model Development: PD, LGD, EAD, Qualitative PD Models. - Programming: SAS, Python, R, SQL. - Regulatory Knowledge: IRB, IFRS9, CECL. - Statistical Modeling. - Data Preprocessing. - Machine Learning Techniques.,

As an experienced Lead Model Developer/Validator with exceptional expertise in credit risk modeling, your primary focus will be on Internal Credit Risk Rating modeling. You will bring deep domain knowledge and advanced technical skills to drive sophisticated credit risk modeling initiatives across retail and wholesale portfolios. Key Responsibilities: - Lead end-to-end development and validation of advanced credit risk models, including PD, EAD, LGD, with emphasis on Expert judgement-based PD models for Corporate, Specialised Lending, and Financial Institutions. - Conduct comprehensive data preparation and preprocessing using tools such as SAS, Python, R, and SQL. - Collaborate with cross-functional stakeholders to analyze, interpret, and communicate complex model results and insights. - Develop comprehensive technical documentation including regulatory compliance model documentation, test plans, validation reports/findings report, and Business Requirements Documents (BRD) where applicable. - Drive continuous model improvement by identifying optimization opportunities, implementing advanced modeling techniques, and enhancing model performance and predictive accuracy. - Provide mentorship and technical guidance to junior team members, fostering a culture of knowledge sharing and professional development. Required Qualifications: - 5-10 years of hands-on experience in credit risk model development and validation. - Proven expertise in modeling across retail and wholesale credit portfolios. - Advanced proficiency in SAS, Python, R, SQL. - Deep understanding of IFRS9 and CECL regulatory frameworks and guidance. - Exceptional analytical and problem-solving skills. - Excellent written and verbal communication abilities. Preferred Qualifications: - Advanced degree in Statistics, Mathematics, Economics, or related field. - Professional certifications in risk management or financial modeling. - Experience with IRB modeling, machine learning/advanced statistical modeling techniques. - Knowledge of Basel regulatory guidance. Technical Skills: - Model Development: PD, LGD, EAD, Qualitative PD Models. - Programming: SAS, Python, R, SQL. - Regulatory Knowledge: IRB, IFRS9, CECL. - Statistical Modeling. - Data Preprocessing. - Machine Learning Techniques.,

As a candidate for this role, you will take the lead in new initiatives to enhance overall products and processes within the company. Your responsibilities will include supporting the implementation of strategies agreed upon for the respective segment. You will provide strategic and structural inputs in formulating credit policies and process improvements. Key responsibilities for this position include: - Meeting key clients, Industry Association, and Industry peers to disseminate knowledge to the team and business counterparts - Managing the loan portfolio with a focus on credit rating/quality and industry concentration - Providing oversight of designated portfolio to maintain satisfactory loan quality, identifying potential problem credits, and strategizing with relationship managers on de-risk accounts - Tracking delinquencies and engaging in discussions with BU stakeholders for resolution - Timely review and renewal of proposals from Business Units, conducting credit team and business reviews on volume, TAT, and productivity - Monitoring external ratings and changes in the external environment to analyze their impact on the portfolio - Participating in management-level meetings and discussions, presenting cases in the Credit Committee - Collaborating with other stakeholders to find solutions - Providing guidance to the team, handling resources, team management, and mentoring - Identifying training needs and delivering appropriate training - Adhering to the bank's internal policy, reviewing deviations adequately - Ensuring adherence to credit policy and regulatory guidelines No additional details about the company were provided in the job description.,

You will be responsible for client management and stakeholder management in the Ratings MCG division of MCG Rating Corporate Sector in Gurgaon. Your role will involve discussing with key management personnel of corporates to understand their strategy and business model, communicating the final rating to the client, and analyzing the company's financial performance. This includes evaluating past financial and business performance, benchmarking against peers, projecting future performance, and conducting rigorous credit risk analysis through industry research and financial analysis of large corporates. You will assign ratings, prepare reports explaining the rating rationale, make credit rating recommendations to the Rating Committee, ensure adherence to timelines, maintain high-quality analytics and rating committee presentations, and have complete ownership of a client account, handling all day-to-day operations and client interactions. **Key Responsibilities:** - Discuss with key management personnel of corporates to understand their strategy and business model - Communicate the final rating to the client - Analyze company's financial performance including past performance and benchmarking against peers - Project future performance of the company - Conduct rigorous credit risk analysis encompassing industry research and financial analysis - Assign ratings and prepare reports explaining the rationale behind the rating - Make credit rating recommendations to the Rating Committee - Ensure adherence to timelines - Maintain high quality analytics and rating committee presentations - Have complete ownership of a client account, responsible for all day-to-day operations and client interactions **Qualifications Required:** - Credit analysis/research experience of about 1-2 years, preferably for Mid-corporates with revenues over Rs 500 crores - Essential: MBA from Tier 1 institutes or CA - Preferred: MBA/CA (Note: No additional details about the company were provided in the job description.),

As a Business Analyst in our team, you will play a crucial role in the product development process from inception to implementation. Your primary responsibility will involve collaborating with clients to comprehend their business requirements, creating comprehensive business requirement documentation, and working closely with our internal team to efficiently develop and deploy our proprietary risk solutions at the client's end. You will be joining a close-knit team that thrives in a challenging and dynamic environment. We highly value technical expertise, teamwork, and continuous collaboration to achieve our goals effectively. **Key Responsibilities:** - Supporting Risk Management systems/solutions through product/application development - Analyzing client requirements, preparing Business requirement documents, and coordinating with internal teams for seamless product development - Managing the complete project cycle effectively - Engaging with internal and external stakeholders for successful project execution **Qualifications:** - Post-Graduate degree in Business Management, preferably with a specialization in Finance (MBA or equivalent) along with a graduation in Engineering (Computers/IT) - Minimum of 2-7 years of relevant work experience - Techno-functional expertise as per the specified criteria **Skills:** *Essential:* - Proven professional experience in Credit Risk Assessment, Credit Lending, Retail Lending, and Credit rating models - Hands-on experience in implementing or developing Loan Origination systems or Credit Rating/Scoring engine - Strong knowledge and experience in Corporate Credit and Retail Credit - Proficiency in developing and implementing risk management products, solutions, and systems throughout the SDLC - Sound understanding of Financial software systems - Project management skills, adept at stakeholder management, and excellent documentation of business requirement specifications and communication for senior management presentations *Good to Have:* - Exposure to digital lending channels in the BFSI sector - Previous experience in BFSI organizations - Relevant certifications such as FRM, CFA, PRM - Experience in the development/implementation of mobile banking/digital lending apps This job will provide you with the opportunity to work on cutting-edge projects, collaborate with industry experts, and contribute to the growth of our innovative solutions in the digital lending space.,

As a Credit Analyst at the Global Analytical Centre in Pune, your role involves supporting global Credit Analyst(s) in tracking the performance of a portfolio of Insurance Companies primarily in North American/European markets. Your key responsibilities include: - Tracking industry, regional, and regulatory dynamics and trends - Understanding the portfolio of credits tracked and flagging rating/outlook triggers to global credit analysts - Applying rating criteria on day-to-day activities and deliverables - Analyzing financial and operational performance, working on financial models and projections, and conducting peer analysis - Preparing internal credit analysis/assessment packs and notes - Assisting in the preparation of publishable credit rating and research reports In addition to the functional responsibilities, it's crucial for you to adhere to defined processes, ensure knowledge retention and documentation, and strictly follow Compliance, Confidentiality, and Information Security Policies. Remember that trading/holding shares in a Financial Institution/Insurance company is regulated. You will also be responsible for client and stakeholder management by building and maintaining strong relationships with international clients, managing requests from various global Credit Analysts, and contributing proactively to client priorities. To excel in this role, you should have 1-3 years of relevant experience in credit analysis, ratings, and report writing for global markets, with a preference for North American/European countries or domestic markets in the Insurance sector/Financial Institution. Your qualifications should include an MBA in Finance or CA, along with excellent oral and written communication skills, a good understanding of international accounting standards, banking-related financial concepts, strong analytical skills, and good interpersonal skills to collaborate effectively with the team and mentor team members.,

As an experienced Credit Manager joining the Corporate & Emerging Business Lending team as Lead Credit Approver, your role will involve evaluating, structuring, and managing customized credit proposals for mid-corporate and emerging corporate clients. You will ensure thorough risk analysis, compliance, and smooth execution from origination to post-disbursal. Key Responsibilities: - Conduct detailed credit appraisal and due diligence for fund-based (OD, CC, TL, LRD, EPC, etc.) and non-fund-based limits (LC, BG, etc.). - Structure credit proposals aligned with client business requirements and cash-flow patterns. - Prepare Credit Approval Notes, Information Memorandums, and presentations for internal management and Risk Committee approvals. - Perform in-depth financial, peer, and industry analysis, evaluate risk rating, and identify key mitigants. - Liaise with internal stakeholders - Business, Credit Risk, Legal, CAD, Trade Finance, and Treasury - to ensure end-to-end execution. - Ensure Post-Disbursal Documentation (PDD) and compliance requirements are met within timelines. - Track portfolio health through regular reviews, site visits, and early warning signal identification. - Engage with clients for renewals, documentation, and addressing compliance observations. - Support in executing structured and syndication deals, including down-selling and secondary transactions. - Maintain strong governance standards and adhere to internal policies and credit risk framework. Qualification Required: - 10-12 years of experience in Corporate Credit / Structured Lending / Mid-Corporate Banking. - Strong analytical ability to assess company financials, business models, and cash-flow patterns. - Hands-on experience in deal structuring, financial modeling, and credit memo preparation. - Exposure to products like LRD, EPC finance, trade products, and syndication deals preferred. - Working knowledge of credit rating methodologies, risk scoring, and regulatory compliance. - Excellent communication and coordination skills with multiple internal and external stakeholders. - Qualification: CA / MBA (Finance) / CFA / equivalent preferred.,

Role Overview: You are an experienced Internal Auditor joining the Wholesale and SME Lending Audit team. As an individual contributor, your main responsibility will be to conduct comprehensive audits, assess risks, and ensure compliance with regulatory and procedural requirements for the banks credit portfolio. Key Responsibilities: - Conduct detailed credit audits for Wholesale and SME banking, covering the entire lending lifecycle. - Evaluate credit due diligence, documentation, post-sanction monitoring, and credit rating models. - Audit credit assessments related to working capital loans, non-fund exposures, term loans, and project finance. - Perform thematic reviews on credit-related areas, borrower credit ratings, loan provisioning, NPA classification, end user verification, early warning systems, and stressed assets. - Identify gaps or weaknesses in credit risk evaluation, monitoring processes, and recommend corrective actions. - Independently analyze financial data and spot inconsistencies or missing details in credit assessment notes. - Ensure timely submission of regulatory data (e.g., RBI data, tranche III, etc.). - Review audit checklists to ensure full coverage and accuracy. - Highlight control lapses, revenue leakages, and suggest improvements to processes. - Collaborate with stakeholders and auditees to discuss observations and finalize findings. - Prepare and finalize audit reports in partnership with the team leader. - Track open/pending audit issues, ensuring follow-up and resolution. - Oversee concurrent audits, ensuring high-quality execution. - Maintain and update audit documentation, ensuring it is in line with relevant systems and processes. Qualification and Experience: - CA / MBA / Postgraduate Finance or related field with 4 to 12 years of relevant experience in credit audit for banks. Key Skills: - In-depth knowledge of credit-related RBI regulations and wholesale credit underwriting process. - Effective communication and report drafting skills. - Strong analytical and problem-solving abilities. - Proficient in MS Word and Excel. - Ability to plan, execute, and document audits efficiently. - Deadline-oriented with strong organizational skills. Role Overview: You are an experienced Internal Auditor joining the Wholesale and SME Lending Audit team. As an individual contributor, your main responsibility will be to conduct comprehensive audits, assess risks, and ensure compliance with regulatory and procedural requirements for the banks credit portfolio. Key Responsibilities: - Conduct detailed credit audits for Wholesale and SME banking, covering the entire lending lifecycle. - Evaluate credit due diligence, documentation, post-sanction monitoring, and credit rating models. - Audit credit assessments related to working capital loans, non-fund exposures, term loans, and project finance. - Perform thematic reviews on credit-related areas, borrower credit ratings, loan provisioning, NPA classification, end user verification, early warning systems, and stressed assets. - Identify gaps or weaknesses in credit risk evaluation, monitoring processes, and recommend corrective actions. - Independently analyze financial data and spot inconsistencies or missing details in credit assessment notes. - Ensure timely submission of regulatory data (e.g., RBI data, tranche III, etc.). - Review audit checklists to ensure full coverage and accuracy. - Highlight control lapses, revenue leakages, and suggest improvements to processes. - Collaborate with stakeholders and auditees to discuss observations and finalize findings. - Prepare and finalize audit reports in partnership with the team leader. - Track open/pending audit issues, ensuring follow-up and resolution. - Oversee concurrent audits, ensuring high-quality execution. - Maintain and update audit documentation, ensuring it is in line with relevant systems and processes. Qualification and Experience: - CA / MBA / Postgraduate Finance or related field with 4 to 12 years of relevant experience in credit audit for banks. Key Skills: - In-depth knowledge of credit-related RBI regulations and wholesale credit underwriting process. - Effective communication and report drafting skills. - Strong analytical and problem-solving abilities. - Proficient in MS Word and Excel. - Ability to plan, execute, and document audits efficiently. - Deadline-oriented with strong organizational skills.

As a Credit Rating Tester at our company, your role will involve the following responsibilities: - Experienced in Corporate/Individual internal Credit rating system. - Good Understanding on ratios calculation Financial data/Qualitative user inputs. - Good Knowledge in Risk Acceptance Module. - Knowledge in end to end rating cycle with operational flow. - Advantageous to have experience in Moody/S&P- System. - Understanding complete flow of integration with core system (LOS/CDH.) To excel in this role, you should have at least 5+ years of experience in Credit Rating, Risk Acceptance, and Operational Flow. The position is based in Hyderabad and requires an immediate - 30 Days notice period.,

As a candidate for the role of Mid Corporate Analyst at our client, a Credit Rating Agency based in Gurgaon, you will be responsible for analyzing financial statements, performance, and trends to assess the creditworthiness of companies. Your key responsibilities will include: - Analyzing financial statements, performance, and trend analysis for assessing the creditworthiness of the company. - Handling rating assignments for entities of varying sizes and preparing reports and rationale for the assigned ratings. - Preparing rating reports by including the profile of the rated company, key rating considerations, credit risk assessment, ratio analysis like proficiency, turnover & solvency, financial projection/modelling, operational & industry analysis. - Adhering to standard operating procedures & policies. - Conducting research on the industry in which the company is operating and keeping track of the industry's performance as a whole. - Analyzing the business model, identifying strengths, weaknesses, risks, understanding the revenue models, and the corporate structure of the businesses. Qualifications: - MBA in Finance or CA. Required Skills: - Credit Rating Agency - Mid Corporate Analysis Preferred Skills: - Credit Rating Agency - Mid Corporate Analysis Salary Range: 8-12 LPA (Fixed) Please note that this position is open to candidates of all genders as we are an equal opportunity employer.,

Role Overview: You will be stepping into a senior global credit leadership role that involves combining Credit Business Development on a global scale and Underwriting & Risk Leadership. This position will require you to handle the complete credit lifecycle which includes sourcing, underwriting, deal structuring, negotiation, IC approval, disbursement, and monitoring. Ideal for someone who can manage global founders, investors, and partners while contributing to building Qiro's global credit engine from scratch. Key Responsibilities: - Global Credit Business Development (BD) - Source fintechs, lenders, NBFCs, PSPs, and credit-heavy businesses across various markets including USA, UK, EU, SG, UAE, LATAM, and emerging markets. - Conduct CXO-level conversations, identify high-quality borrowers, and convert them into Qiro partners. - Drive the end-to-end lifecycle process including lead generation, qualification, underwriting, structuring, term sheet creation, negotiations, and deal closures. - Underwriting & Deal Structuring - Underwrite fintechs/lenders using global best practices by analyzing financials, risk models, bank statements, cohorts, and loan book metrics. - Structure facilities such as Committed / Uncommitted LOCs, Term Loans, Bullet + revolving structures, DA/PTC/True Sale securitization, and SPV-based structured credit deals. - Develop rating models, scorecards, risk matrices, and early-warning frameworks. - Global Risk Management - Establish credit covenants, exposure limits, market caps, and monitoring cadence. - Evaluate concentration risks across geographies, lenders, and asset classes. - Continuously monitor portfolio performance and highlight weak accounts. - Build & Lead Qiro's Credit Infrastructure - Formulate global credit policy, underwriting frameworks, risk guidelines, and reporting structures. - Provide guidance to junior underwriting analysts. - Collaborate with legal, tech, partnerships, operations, and external service providers. - Represent Qiro in global calls with ecosystems, RWA partners, and stablecoin funds. Qualification Required: - 7-10 years of underwriting experience in fintechs or financial institutions across India and global markets, with a preference for experience in USA, UK, EU, SG, UAE. - Proficiency in credit analysis, structured credit, securitization, LOCs, and portfolio monitoring. - Preferred certifications include CFA, CA, FRM, or MBA-Finance. - Excellent communication skills to engage with global founders, CFOs, and credit teams. - Advantageous to have experience in both underwriting and BD/deal origination. - Comfortable working in Bangalore office, handling global time zones, and adapting to startup-level agility. - Capacity to manage heavy workloads with a solution-oriented approach and a mindset focused on outcomes. Additional Company Details (if present): Qiro is an on-chain private credit marketplace that utilizes enterprise-grade credit underwriting infrastructure to serve fintechs and lenders in developed markets like the USA, UK, EU, Singapore, and UAE, as well as emerging markets. Qiro partners with various entities like Stablecoin funds, Crypto credit & RWA funds, On-chain private credit protocols, RWA ecosystems & L1/L2 chains, to facilitate transparent, real-world yield through institutional-grade underwriting practices. The company aims to bridge global fintech credit demand with stablecoin capital using data-driven underwriting processes.,

As an Associate in the Project Risk & Credit Solutions team at Sustainability Economics, your role will involve focusing on risk mitigation strategies, credit enhancement mechanisms, and bankability improvements for large-scale infrastructure projects such as AI data centers, clean energy, and sustainable infrastructure. You will be responsible for designing and implementing solutions like guarantees, insurance wraps, blended finance, securitization, and innovative credit structures to attract investors and lenders into projects. Your key tasks and accountabilities will include: - Identifying and analyzing risks across the project lifecycle including construction, operational, market, offtake, and regulatory risks. - Proposing and structuring credit enhancement mechanisms such as guarantees, insurance covers, liquidity facilities, or subordinated tranches. - Understanding all stakeholders involved in the issuance of instruments and analyzing potential risks associated with specific instruments issuance. - Designing structures to improve creditworthiness and rating of project vehicles. - Evaluating blended finance opportunities like concessional capital, guarantees, and green bonds. - Conducting stress testing and scenario modeling to measure the impact of risk mitigants. - Evaluating and interpreting credit ratings from major agencies and understanding their impact on investment decisions. Qualifications required for this role include: - Bachelor's degree in finance, Economics, Law, or Engineering; MBA, CFA, or FRM preferred. - 4-8 years of experience in project finance, credit risk, structured finance, or infrastructure advisory. - Climate-specific financial instruments knowledge is a plus. - Familiarity with credit enhancement tools such as guarantees, wraps, insurance, and blended finance. - Prior exposure to energy, infrastructure, or data center projects desirable. - Strong financial modeling and risk analysis capabilities. Skills that will be beneficial for this role include: - Understanding of credit risk modeling and expertise in credit risk assessment. - Knowledge of international financing structures and capital markets. As part of our team at Sustainability Economics, you can expect a flat hierarchy, ESOPs, group medical coverage, and a gender-neutral parental, marriage, and compassionate leave policy. If you are a self-motivated team player with excellent time management skills and a passion for sustainability, we welcome you to join us in our pursuit for sustainability!,

As a Research Analyst in the global buy-side credit research team, your role will involve conducting in-depth credit analysis, building and maintaining complex credit models, and providing high-quality research outcomes to support investment decisions. You will be part of a dynamic team that values motivation and attention to detail. Key Responsibilities: - Build and update credit models, including KPI-based projections for a CLO fund for existing investments and new initiations. - Conduct in-depth credit analysis of companies under coverage, including business, financial, and peer analysis, and prepare credit reports for annual/quarterly reviews. - Regularly monitor the assigned portfolio by tracking company events, peer group activities, and industry information sources. - Develop a quick understanding of operating and financial metrics relevant to new sectors in coverage. - Engage proactively with client teams to provide research insights and support. - Establish and maintain consistent standards and processes in credit analysis. - Utilize data sources such as Bloomberg, S&P Capital IQ, and Excel macros/VBA for added advantage. Functional & Behavioral Knowledge: - Background in conducting credit analysis of Corporates/Financial institutions. - Strong understanding of credit principles, credit review/appraisal, credit rating, report writing, capital structure, EBITDA & ratio analysis. - Strong quantitative skills for building and updating detailed financial models. - Detail-oriented with a keen interest in financial markets and credit analysis. - Ability to work under pressure and tight deadlines. - Excellent written & verbal communication skills to build effective relationships with stakeholders. - Capable of multi-tasking and handling projects with tight deadlines. - Ability to think and work independently. Qualification Required: - Minimum: MBA (Finance) from a reputed institute / CA / CFA is essential. - Preferred: Progress towards CFA (US). Experience/Skills: - Prior experience of minimum 1-3 years in financial analysis or credit research. Location: Pune/Mumbai Please note that the Education Qualification required for this role is MBA/CA/CFA.,

credit analyst job description with a concise paragraph or list of bulleted items designed to sell your company, agency, or institution to applicants. You might mention how crucial credit analysis is to your companys success and how this role is viewed as a steppingstone toward more prominent finance positions within your workplace. If your company values work-life balance, promoting from within, incentive-based compensation, or diversity, equity, and inclusion, be sure to mention this in your post. Credit Analyst Job Responsibilities: Gathers and analyzes loan applicants financial data to evaluate risk. Assesses creditworthiness of individuals, companies, and institutions. Collaborates with other financial experts to approve or deny loans. Makes recommendations about whether to increase, adjust, extend, or close lines of credit. Undertakes risk analysis using regional, sector-specific, environmental, and other financial data. Prepares and presents credit reports. Completes quality assurance reviews. Gauges market trends. Monitors and adheres to collateral compliance covenants. Ensures that all loans are made in adherence with federal, state, and local financial regulations. Analyzes data to verify information and uncover fraud. Helps to update and improve credit rating criteria.

As a Credit Risk Analyst at Goldman Sachs, your role will involve providing credit risk management coverage for a portfolio of clients in the APAC Financial Institutions space, such as banks, brokers, and insurance companies. You will be responsible for assessing the business and financial strength of the firm's trading counterparts to determine acceptable levels of credit exposure and monitoring internal credit ratings. Your key responsibilities will include: - Conducting counterparty reviews and recommending appropriate internal risk ratings for each counterparty - Setting credit limits and approving transactions based on counterparty and trade details - Holding risk conversations with sales and trading teams and providing opinions on risk mitigation for various products - Monitoring credit trends in the portfolio and proactively addressing potential issues - Coordinating with Sales & Trading, Investment Banking/Capital Markets, Legal, and Operations departments to review business and ensure appropriate documentation, limits, and risk mitigants - Representing credit views in risk committees and developing relationships with colleagues from the broader risk division and other areas of the firm Qualifications and Experience: - 2-4 years of experience in financial institutions credit analysis, including lending and derivatives products - Demonstrated track record of independent decision-making and ability to steer client and business negotiations - Strong analytical skills and ability to grasp the mechanics of various financial products quickly - Experience supporting change initiatives and collaborating with internal teams - Strong interpersonal skills, self-motivation, and ability to communicate at a senior level - Ability to supervise, motivate, and provide guidance to junior team members In addition to the above, you are expected to demonstrate the following competencies: - Functional Expertise and Technical Skills - Client and Business Focus - Teamwork - Communication Skills - Judgment and Problem Solving - Creativity and Influence Goldman Sachs is a leading global investment banking, securities, and investment management firm committed to fostering diversity and inclusion. We offer a wide range of opportunities for professional and personal growth, including training and development programs, firmwide networks, benefits, wellness initiatives, and mindfulness programs. Learn more about our culture, benefits, and opportunities at GS.com/careers.,

As an Assistant Manager/Manager - Credit Analyst in Bangalore, you will be responsible for conducting financial statement analysis to assess customer creditworthiness. Your key responsibilities will include: - Conducting financial statement analysis (balance sheets, income statements, cash flow statements) to evaluate customer creditworthiness. - Preparing credit reviews, assessing risk ratings, and providing recommendations for both new and existing accounts. - Monitoring internal reports to identify high-risk credit accounts. - Reviewing and interpreting S&P credit reports and trade references. Qualifications required for this role include: - A minimum of 3 years of equivalent experience in credit analysis and corporate finance. - Bachelor's degree in a relevant field. Please note that the industry type for this role is BPO/KPO, and the functional area is ITES/BPO/Customer Service. The employment type is Full Time and Permanent. If you are interested in this position, the job code is GO/JC/1415/2025, and the recruiter's name is Prernaraj.,

Role Overview: Are you seeking an exciting opportunity to join a dynamic and growing team in a fast-paced and challenging environment This unique role as a Credit Officer in the Commercial Banking Risk India team offers you the chance to partner with the Business to provide a comprehensive view. Your primary responsibility will involve conducting credit analysis of corporate clients as part of the Underwriting Center team in the Commercial Banking division North America. By independently preparing credit risk analysis reports, recommending rating grades, and managing communication channels with Underwriters, you will play a crucial role in enhancing your knowledge of credit analysis and effectively managing stakeholders. Key Responsibilities: - Prepare credit risk analysis reports on assigned clients, focusing on business & financial analysis for middle market clients with exposure less than $5mm. Recommend rating grades based on the analysis. - Perform quality checks on the work delivery of junior analysts, understanding various techniques and methods of credit analysis, accounting treatments, and financial adjustments. - Develop and maintain open communication channels with Underwriters, independently handling all calls and rating discussions with Credit Executives. - Build a strong knowledge base of credit analysis for clients and manage stakeholders by establishing positive relationships with Underwriters and Credit Executives. Qualification Required: - Minimum 4 years of experience in credit risk with MBAs (Finance specialization) / CAs. - Excellent academic record with a focus on credit risk and strong interpersonal skills to build relationships with Underwriters and RMs. - Proficiency in corporate finance concepts, financial statements analysis, including ratio analysis, cash flow analysis, and accounting standards. - Aptitude to learn credit analysis techniques, sectors, and global economies, with strong oral and written communication skills to interact effectively with global credit bankers. - Detail-oriented with a deadline orientation, proficient in MS Word, Excel, and PowerPoint, and the ability to work both independently and in a team environment.,

In the role of Credit Review at Goldman Sachs, you will be responsible for independently assessing the effectiveness of the firm's credit risk management processes. You will provide senior management and the Board of Directors with objective and timely assessments of the credit portfolio. Reporting to the Chief Risk Officer (CRO), you will work independently from Credit Risk. Key Responsibilities: - Conduct systematic reviews of wholesale credit portfolios, analyzing counterparty credit quality to assess risk identification accuracy and the adequacy of documentation, administration, policies, and procedures. - Lead and participate in industry reviews, ensuring compliance with credit review procedures and regulatory guidance. Document conclusions clearly and concisely. - Manage and guide review teams to meet key milestones during industry reviews. Aggregate, document, and communicate findings effectively. - Evaluate the adequacy of Credit Risk's analysis, including credit ratings accuracy, timeliness of changes, identification of credit weaknesses, and adherence to policies, procedures, laws, and regulations. - Challenge Credit Risk's ratings, policies, and procedures as necessary. - Perform ongoing surveillance of assigned industry sectors to identify emerging risks and stay informed of trends. - Prepare quarterly reports assessing the overall risk of industry portfolios. Qualifications Required: - Bachelor's and/or Master's degree. - 10+ years of banking or credit-related experience, including credit review, credit risk management, lending, or regulatory supervision. - Strong knowledge of credit analysis, ratings analysis, or corporate finance. - Subject matter expertise in various sectors such as corporates, industrials, energy, technology/media/telecom, commercial real estate, asset secured lending, and counterparty credit risk is advantageous. - Experience with internal audit or credit/loan risk review processes preferred. - Knowledge of banking regulations related to lending and risk management. - Background or experience in finance and accounting. - Understanding of lending products, capital markets/traded products, credit/loan & trading documentation. - Strong organizational, analytical, and communication skills. - Ability to manage multiple assignments concurrently, work efficiently in a team environment, and provide expert advice to management. About Goldman Sachs: Goldman Sachs is a leading global investment banking, securities, and investment management firm founded in 1869. Committed to diversity and inclusion, the firm offers various opportunities for professional and personal growth, including training, development, networks, benefits, and wellness programs. Goldman Sachs also provides accommodations for candidates with special needs or disabilities during the recruiting process. Best-In-Class Benefits: - Healthcare & Medical Insurance: Offers a wide range of health and welfare programs including medical, dental, disability, life, and accident insurance. - Holiday & Vacation Policies: Competitive vacation entitlements based on employee level and office location. - Financial Wellness & Retirement: Assistance with retirement planning, financial support for education, and benefits for unexpected situations. - Health Services: Medical advocacy, counseling services, and on-site health centers in certain offices. - Fitness: Encouragement for a healthy lifestyle with on-site fitness centers and reimbursement for fitness club memberships. - Child Care & Family Care: On-site child care centers, mother and baby rooms, counseling services, and programs for parents returning from leave. Goldman Sachs provides a full suite of benefits to support employees" well-being and professional development.,