Credit Risk Management, AVP

Deutsche Bank AG; Mumbai; On-site; INR 2,600,000 - 4,200,000; Full time

Benefits offered by this job

Best in class leave policy

Gender neutral parental leaves

Sponsorship for industry certs

Employee Assistance Program

Hospitalization insurance for depend

Accident and Term life Insurance

Health screening 35+

Job summary

Deutsche Bank AG in Mumbai seeks an AVP to lead Credit Risk Management for a diverse portfolio including corporates, banks and financial institutions. You will manage risk, support regulatory reporting, and collaborate with front-line teams to optimize credit decisions.

The role requires postgraduate qualifications and 3–6 years in wholesale banking credit risk, with strong analytical and communication skills. Training and global credit policy guidance are provided.

Qualifications

• Post graduate level qualifications in finance-related field (e.g. CA/CWA/MBA/FRM).
• 3–6 years of experience in credit risk management within wholesale banking.
• Understanding of financings, trade finance, and global markets.

Responsibilities

• Approve Counterparty Credit Exposure limits for Transaction Banking products and FX hedging/derivatives.
• Write Credit Reports and assign internal Credit Ratings based on industry, business and projections.
• Monitor company and sector performance in real time and adjust ratings/limits accordingly.
• Collaborate with Relationship team for strategy on non-remunerative relationships.
• Provide regular MIS on portfolio composition and status to senior management.
• Support regulatory tasks within Credit Risk Management locally and globally.
• Assist portfolio management activities including system-related tasks per global policies.

Skills

Credit risk management

Wholesale banking analysis

Credit judgement

Regulatory reporting

Strong communication

Education

Postgraduate degree

Job description

Role Description

• AVP within the Credit Risk Management with responsibilities of managing a portfolio comprising of Corporates, Banks, NBFIs, Insurance Companies, Mutual Funds etc.
• In addition to managing an assigned portfolio of clients, the candidate is also expected to support the bank on regulatory and related portfolio reporting activities and other tasks connected with the overall credit risk management.

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
• 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

• Approval of Counterparty Credit Exposure limits for Transaction Banking products and FX Hedging / Derivative products. Specific transaction level approvals for structured products.
• Writing Credit Reports, assigning internal Credit Rating for clients, based on industry, business and financial analysis, including projections
• Monitoring performance of companies & sectors on real-time basis, making suitable changes in ratings / limits to reflect any changes in risk level
• Ensuring effective utilization of Bank’s capital at Client level. For non-remunerative relationships, work with Relationship team to derive strategy that could include exit or pricing revision
• Providing regular MIS to senior management on portfolio composition and status of accounts
• Provide all support required for meeting regulatory tasks which reside within the Credit Risk Management team both globally and locally
• Support portfolio management related activities including system related tasks as per the global credit policies of the bank.

Your skills and experience

• Post graduate level qualifications and business/finance major (e.g.CA / CWA / MBA / FRM).
• Experience of 3-6 years in credit risk management in wholesale banking from reputed financial house, including analysis, approval / recommendation of transactions and portfolio responsibilities
• Basic understanding of key products – financings, trade finance and global markets (fx/rates/commodities)
• Strong technical & analytic skills, risk judgment.
• Strong written and verbal communication skills
• Proven ability to make time sensitive credit decisions

Proven ability to leverage AI tools to enhance productivity, optimise workflows to solve business problems, while applying critical judgment to ensure responsible and ethical use of data and AI outputs.

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.