Institutional Research & Analysis Associate

ANZ; Maharashtra; On-site; INR 1,500,000 - 2,200,000; Full time

Job summary

ANZ in Mumbai is seeking a skilled credit professional to independently manage credit assessments for a portfolio, with strong risk control and industry insights. You will prepare credit memoranda, participate in deal structuring discussions, and ensure compliance with policies and regulatory standards.

The role requires 5+ years in cash-flow lending, robust financial analysis, and the ability to translate complex data into concise memos for senior stakeholders.

Qualifications

• 5+ years of cash-flow lending and credit risk experience.
• Knowledge of banking products, risk and credit policy.
• Ability to analyse client financials and creditworthiness.

Responsibilities

• Responsible for credit assessment and risk control for assigned client groups.
• Participate in deal structuring discussions with Products, RM and Risk.
• Prepare workshop papers and credit memoranda for proposals and reviews.
• Identify issues affecting credit standing and formulate action plans.
• Ensure adherence to credit policies, data integrity and regulatory requirements.

Skills

Credit assessment

Risk control

Financial analysis

Credit memos

Deal structuring

Interpreting data

Presentation skills

Attention to detail

Education

Degree essential

Masters/MBA

CA/CFA

Tools

Excel

PowerPoint

Job description

About Us

At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our customers. Our Institutional bank helps our largest customers move trade and capital around the region, providing our people with great opportunities to build their technical expertise and their careers.

About The Role

The purpose of the role is to independently manage credit assessment of a portfolio including, risk control and provide industry insights/analysis, preparing credit memorandum and subsequent portfolio management.

Role Location: Mumbai

Role Type: Permanent

What will your day look like?

• Responsible for credit assessment and risk control for the assigned client groups.
• Participate and handle discussions with Products, Relationship Manager & Risk on deal structuring and workshopping.
• Timely preparation of workshop papers and credit memorandum for new proposals and annual/ interim reviews in accordance with the Bank’s standards and policies.
• Identify issues impacting the customer’s credit standing, seek clarification from customers and formulate action plan to resolve issues promptly
• Efficiency and effectively manage credit risk by:
• Accurately identifying and assessing all risk inherent in credit exposures and ensuring quality judgements are made
• Adhering to Group credit policies and standards regarding approval, reporting and documentation
• Ensuring quality and integrity of data and analysis of accounts in the set
• Ensuring compliance with group standards and regulatory requirements (including credit policy and approval conditions)

What will you bring?

To grow and be successful in this role, you will ideally bring the following:

• 5 + Yrs of experience in cash-flow lending, capital structure and security arrangements
• Robust knowledge of core banking products and risks, including basic operational processes
• In depth knowledge of both the financial and non-financial strategies and objectives of clients
• Full understanding of the banking industry, global economics and the local/global regulatory landscape
• Knowledge of legal documentation
• Sound understanding of the local market, industry knowledge across one or more industry sectors and an understanding of customer issues and risks
• Appropriate tertiary qualifications (e.g. Degree essential; Masters, MBA/ CA/ CFA highly regarded)
• Solid financial and credit analysis skills and ability to identify risks and understand creditworthiness of customers
• Ability to resolve issues that are commonly addressed by applying technical expertise and industry knowledge
• Solid modelling skills, including financial projections and sensitivities
• Presentation and writing skills, including ability to analyse, question and interpret significant amounts of information that actively develop knowledge of the client and translate into concise credit memos
• Good attention to detail particularly with respect to credit administration.

You’re not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we’d love to hear from you.

So why join us?

ANZ is a place where big things happen as we work together to provide banking and financial services across more than 30 markets. With more than 7,500 people, our Bengaluru team is the bank's largest technology, data and operations centre outside Australia. In operation for over 33 years, the centre is critical in delivering the bank's strategy and making an impact for our millions of customers around the world. Our Bengaluru team not only drives the transformation initiatives of the bank, it also drives a culture that makes ANZ a great place to be. We're proud that people feel they can be themselves at ANZ and 90 percent of our people feel they belong.

We know our people need different things to be great in their role, so we offer a range of flexible working options, including hybrid work (where the role allows it). Our people also enjoy a range of benefits including access to health and wellbeing services.

We want to continue building a diverse workplace and welcome applications from everyone. Please talk to us about any adjustments you may require to our recruitment process or the role itself. If you are a candidate with a disability or access requirements, let us know how we can provide you with additional support.

To find out more about working at ANZ visit https://www.anz.com/careers/.

Job Posting End Date

30/10/2026, 11.59pm, (Melbourne Australia)