Credit Risk & Policy Analyst| Mumbai

CSB Bank Limited; Mumbai; On-site; INR 3,500,000 - 5,500,000; Full time

Job summary

CSB Bank Limited seeks an experienced Credit Risk professional to prepare and issue risk vetting reports for large and mid corporate proposals, including project finance and real estate. You will validate CRM ratings, analyze financials, and advise on policy changes to align with regulatory and business needs.

The role requires 12–14 years of experience, with a Graduate degree and MBA preferred, to support policy updates and model enhancements in a fast-moving lending environment.

Qualifications

• Analyze financial statements and credit proposals for new, modified, and refinancing requests.
• Validate Internal Credit Risk Ratings in line with CRM policy.
• Prepare risk-vetting reports and submit recommendations to Lead Credit Risk/Head Credit Risk.
• Review rating outlooks of high-value borrowers and highlight key risks in proposals.
• Support enhancement of credit risk models and rating accuracy.
• Stay updated on lending policies and regulatory requirements.

Responsibilities

• Develop financial models and spreadsheets for credit assessment.
• Review and revise loan policies using portfolio analysis and evolving business/regulatory needs.
• Assess credit risks in new and existing products and provide inputs to the Product Evaluation Committee.
• Compute periodic RAROC and update the RAROC framework as required.

Skills

Financial analysis

Credit risk

Risk reporting

Policy development

Financial modeling

Regulatory compliance

Education

Graduate (Any)

MBA preferred

Job description

The role is responsible for preparing and issuing credit risk vetting report for large and mid corporate proposals, including project finance/real estate proposals within allowed TAT to enable business and processing team to put up loan proposals for sanction. The role is also responsible for providing key policy inputs and proposing policy changes for the loan policy, in line with evolving regulatory and business requirements

• Analyze financial statements and credit proposals for new, modified, and refinancing requests.
• Validate Internal Credit Risk Ratings in line with CRM policy.
• Prepare risk-vetting reports and submit recommendations to Lead Credit Risk/Head Credit Risk.
• Review rating outlooks of high-value borrowers and highlight key risks in proposals.
• Support enhancement of credit risk models and rating accuracy.
• Stay updated on lending policies and regulatory requirements.
• Develop financial models and spreadsheets for credit assessment.
• Review and revise loan policies using portfolio analysis and evolving business/regulatory needs.
• Assess credit risks in new and existing products and provide inputs to the Product Evaluation Committee.
• Compute periodic RAROC and update the RAROC framework as required.
  

Experience: 12 to 14 years

Qualifications: Graduate (Any)/MBA preferred