Credit Risk Officer

Deutsche Bank; Mumbai; Hybrid; INR 1,200,000 - 2,400,000; Full time

Benefits offered by this job

Sponsorship for industry relevant cert

Flexible working arrangements

Employee Assistance Program

Comprehensive Health insurance for you

Complementary Health screening

Job summary

Deutsche Bank is seeking a diligent credit analyst in Mumbai to perform timely credit analysis of corporate and financial institution counterparties. You will prepare rating writes-ups, participate in live trades with credit officers, and monitor international portfolios to gauge credit risk while understanding product credit documentation.

The role requires strong analytical abilities, experience in credit underwriting, and a solid grasp of financial ratios and cash flow analysis.

Qualifications

• Requires MSc/MA/MBA/CA/CFA or equivalent.
• Experience in credit underwriting is essential.
• Strong analytical skills and knowledge of financial markets.
• Proficiency in financial ratio analysis and cash flow projections.

Responsibilities

• Undertake accurate and timely credit analysis of counterparties (Corporates and FIs).
• Write rating reports and credit reviews for senior approvals.
• Participate in live trades with onshore credit officers and provide analyses.
• Monitor and surveillance of international portfolios; assess credit worthiness impact.
• Understand banking products and credit documentation; support KCP with checks.
• Update limits/exposure and monitor covenants; ensure timely clearance of issues.
• Manage own credit portfolio and support senior decision makers with recommendations.
• Interface with Credit officers and other stakeholders to ensure understanding of exposure.
• Contribute to ad-hoc portfolio exercises and regulatory developments.
• Ensure compliance with local and global regulations.

Skills

Analytical skills

Credit underwriting

Financial statement analysis

Cash flow projections

Financial markets knowledge

Education

MSc / MA / MBA / CA / CFA

Job description

Role Description

• Risk division has a fundamental responsibility to protect the Bank. With group-wide responsibility for the management and control of credit, market, operational and reputational risks, we have a unique vista point which allows us a holistic view of our businesses and our clients.
• Nearly 4,000 employees work together in our division to achieve our ambition to be an industry-leading risk management organisation. In an increasingly complex environment, risk management is fast-becoming the most sought after place to build a career within the banking world. Risk at Deutsche Bank is relied upon to help shape the strategy of the organisation and the wider industry agenda.
• The Global Credit Analytics Function (GCAF) is entrusted with the work of assigning and surveillance of Probability of Default Rating to Corporate and Institutional counterparties of the Bank. As part of Risks transformation journey, GCAF is bringing Credit documentation to its purview and requires strong analysts to handle the same.

What we’ll offer you

• Best in class leave policy
• Gender neutral parental leaves
• 100% reimbursement under child care assistance benefit (gender neutral)
• Flexible working arrangements
• 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

• Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis.
• Write Rating reports and credit reviews/analysis for recommendation to Senior members for approval.
• Active participation in Live trades with onshore credit officers (KCP) by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same.
• On-going monitoring & surveillance of assigned international portfolios, including rating changes, market/industry developments,news events, etc and assessing the impact on credit worthiness of the counterparty, keeping DB’s exposure in mind.
• Understand the various banking products (including Trade Finance and Derivatives) and credit documentation for the same. Support the KCP with appropriate checks and its inclusion in the credit reviews.
• Monitoring of limits/exposure: Updating Limit amendments and credit relevant data updates in the credit system. Exposure monitoring and timely clearance of Excess tickets. Timely monitoring of covenants and regular discussion with KCPs.
• Manage own credit portfolio and assist senior decision makers to make informed decisions based on your recommendations
• Interface directly across with the Credit officers (KCP) and other stakeholders (business side, Exposure managements, and various ops teams) to ensure complete understanding of DB’s exposure and timely completion of the credit reviews.
• Participate in ad-hoc projects related to portfolio exercises (industry/regional exercise), regulatory developments, sector notes, audit exercises and support onshore KCPs for various business strategies.
• Ensure compliance with relevant and applicable local and global regulatory and policy requirements

Your skills and experience

• Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc.
• Relevant work experience in credit underwriting
• Strong analytical skills, knowledge of financial markets and economic/industry trends
• Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance

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:

https://www.db.com/company/company.html