Credit Analyst - SME BWC

Standard Chartered Bank; Mumbai; On-site; INR 600,000 - 1,100,000; Full time

Benefits offered by this job

Inclusive and values driven culture

Competitive salary and benefits

Retirement savings and life insurance

Flexible working options where allowed

Job summary

Standard Chartered Bank in Mumbai is seeking a Credit Analyst to analyse financials and credit-related activities within Business Banking. You will assess documentation for sanctions, monitor post-sanction compliance, and coordinate with internal and external stakeholders to ensure robust credit risk controls.

Role emphasizes portfolio management support, adherence to KYC norms, and timely completion of mandatory e-learning. Graduate+ with strong analytical and relationship skills is preferred.

Qualifications

• Strong credit assessment capabilities and financial analysis skills.
• Experience with SME lending and relationship management.
• Proven ability to coordinate with internal and external stakeholders.
• Commitment to ethics, compliance and regulatory requirements.

Responsibilities

• Assess documentation for sanctioning facilities and monitor post-sanction compliance.
• Coordinate with stakeholders for sanctioning and ensure timely MIS updates.
• Maintain relationship controls, accesses, deferrals and past-due monitoring.
• Support portfolio quality, risk management and KYC processes.
• Ensure adherence to code of conduct and mandatory e-learning.

Skills

Computer proficiency

Credit Analysis

Stakeholder Management

Knowledge of SME Lending Products

Education

Graduate plus

Job description

Job Purpose

Job Purpose: This role is within Business Banking for Credit analyst is for Analyse financials, banking and other credit related activities

Key Responsibilities

• Assessment of documentation provided for sanctioning of facilities
• Monitoring of post sanction condition compliance in time bound manner.
• Coordinating with various stakeholders for sanctioning of facilities including internal and external stakeholders.
• Day-to-day monitoring of MIS and control of the relationships i.e. accesses, deferrals, past dues
• 100% commitment to code of conduct
• Timely completion of assigned mandatory e-learning’s
• Portfolio management support for coordinating with CRC/SME ops
• Astar compliance as per guidlines
• 100% commitment to code of conduct
• Timely completion of mandatory e-learning’sKey Responsibilities Strategy

Key Responsibilities Strategy

• Responsible for the portfolio quality and risk including zero tolerance/ KYC.
• Meeting client time to time and check customer performance, discuss debtors stretch and probability of enhancement and other required products.
• Ensure to have OPAC (Operating Account) criteria satisfied, for example, Quarterly Churning in accounts, Tracking HV transactions and informing client time to time if churning not routing through us. In case of multiple banking proportionate churning to be checked.
• Client servicing through the Bank’s “Outserve” mode with the aim of Customer delight

Business

• Support Relationship Managers in handling a group of relationships to meet revenue and profit targets for these relationship
• Handle deals, together with the RM, from concept to completion with particular emphasis on transaction structuring and documentation
• Support RM for NTB clients to onboard where there is a scope of Trade and Bundles FX
• To maintain close rapport with clients and provide quality service
• Prepare high Quality Business Credit Applications with minimum subsequent rework and time.

Processes

• Support RM Daily Annotation of the transaction as per the DOI,
• Respond on Transaction Monitoring, SAR, RFI, CDD actionable timely closure within TAT. No pendency.
• Review and closure of ASTAR items, covenants, deferrals, Pending Documents with in TAT

People & Talent

• Ensure no overdue and all covenants like Stock and Book Debt
• Statement/Stock Audit/NPA reporting / Exchange of Information in case Multiple Banking complied with

Risk Management

• and reporting of deteriorating credit risks in his/her portfolio and ensuring that necessary steps Prompt recognition are taken to minimize loss to the Bank
• Renewals of the accounts to be done in timely or any extension required then prior to BCA expired approvals to be taken , Fx Past due and MTM/Grading and actionable as per GPN and comply as per the country regulatory.

Governance

• 100% commitment to code of conduct
• Timely completion of mandatory e-learning’s

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalation, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

• BB RMS – Agri & BWC
• Central Team – Agri & BWC
• CI Team
• External vendors
• CRC/Ops
• Policy
• ECDD

Other Responsibilities

• Embed Here for good and group’s brand and values in India – Business banking team
• Perform other responsibilities assigned under group , country, Business or functional policies and procedures.
• Multiple functions (double hats)

Skills and Experience

• Computer proficiency
• Credit Analysis
• Stakeholder Management
• Knowledge of SME Lending Products

Qualifications

• Graduate plus

About Standard Chartered We're a global bank connecting clients to our differentiated network, offering growth opportunities in the world's most dynamic markets. Our strategy, which combines cross-border capabilities and leading wealth management expertise, helps us deliver our purpose - to drive commerce and prosperity through our unique diversity.

What We Offer

• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions, and geographies.
• In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global employee assistance programme, sick leave, mental health first-aiders and self-help toolkits.
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual, and digital learning.