Lead Credit Analyst - Corporates

Societe Generale Global Solution Centre; Bengaluru; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Société Générale Global Solution Centre in Bengaluru seeks an experienced Credit Risk Analyst to manage credit applications, annual reviews, and risk ratings within SG policies. The role involves evaluating counterparties, negotiating terms, and ensuring timely deliverables.

You will interact with onshore stakeholders, review legal docs, monitor covenants, and support complex assignments while training new joiners. Strong analytical skills and IFRS/GAAP knowledge are essential.

Qualifications

• Strong financial analytical skills and understanding of accounting standards (local GAAP/IFRS).
• Knowledge of credit agreements and related legal documents; ability to assess terms and covenants.
• Knowledge of capital markets, traded products and investment banking concepts.
• 5+ years of experience in credit risk or related field.

Responsibilities

• Prepare credit applications and annual reviews to assess credit quality and set limits.
• Assure timely annual reviews and obligor risk ratings.
• Complete post-approval activities and credit-related tasks within deadlines.
• Interact with onshore stakeholders on deliverables and timelines.
• Review legal documentation (credit agreements, ISDA, CSA, GMRA, etc.) and propose changes as needed.
• Ensure compliance with regulatory requirements and SG policies.
• Monitor client credit quality and watchlist triggers.
• Handle ad-hoc and complex assignments without delaying scheduled reviews.
• Assist team lead by training new joiners on complex files.

Skills

Financial analysis

Credit risk assessment

Accounting IFRS/GAAP

Legal agreements

Capital markets knowledge

Financial modeling

MS Office

Communication writing

Team training

Onshore coordination

Tools

Thomson Reuters

Capital IQ

Bloomberg

SNL

Job description

Responsibilities

• Preparing credit applications / annual reviews of counterparties to assess their credit quality, recommending appropriate credit limits, obligor rating, terms and conditions that address client credit risk and transaction risk.
• Assure Annual Reviews and obligor risk ratings of assigned portfolio are done within prescribed timelines.
• Assure post approval activities and other credit related tasks are completed on time.
• Interact regularly with onshore stakeholders on deliverables and timelines and deliver as per expectations.
• Reviewing all relevant legal documentation (i.e. credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SG policies.
• Ensure compliance with all applicable regulatory requirements and credit policies for the portfolios assigned.
• Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality including monitoring covenants and watch list triggers.
• Be proactive to take up adhoc and complex assignments while not impacting the scheduled annual reviews.
• Assist team lead in managing the portfolio by training new joiners and taking up complex files.

Required

• Strong financial analytical skills and understanding of accounting (local GAAP and IFRS), legal, and regulatory issues governing relevant sectors
• Good understanding of various legal agreements (term sheet, Credit Agreement, ISDA & CSA, GMRA, GMSLA, SBLC agreement) and ability to assess credit terms and conditions, including financial covenants, security and collateral
• Knowledge of capital markets / traded products, commercial financing facilities and investment banking products
• Strong writing skills particularly assessing and summarizing financial transactions (credit requests, covenant waivers, etc.) and making a recommendation
• Ability to prepare financial models / forecasts for various scenarios
• Ability to complete work with minimal or no supervision and accommodate shifting priorities
• Proficiency in MS Word, MS Excel, MS PowerPoint
• Knowledge of market data tools like Thomson Reuters, Capital IQ, Bloomberg, SNL, etc.
• Experience: 5+ Years

Why join us

We are committed to creating a diverse environment and are proud to be an equal opportunity employer. All qualified applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status”

Business insight

At Société Générale, we are convinced that people are drivers of change, and that the world of tomorrow will be shaped by all their initiatives, from the smallest to the most ambitious. Whether you’re joining us for a period of months, years or your entire career, together we can have a positive impact on the future. Creating, daring, innovating, and taking action are part of our DNA. If you too want to be directly involved, grow in a stimulating and caring environment, feel useful on a daily basis and develop or strengthen your expertise, you will feel right at home with us!

Still hesitating?

You should know that our employees can dedicate several days per year to solidarity actions during their working hours, including sponsoring people struggling with their orientation or professional integration, participating in the financial education of young apprentices, and sharing their skills with charities. There are many ways to get involved.

We are committed to support accelerating our Group’s ESG strategy by implementing ESG principles in all our activities and policies. They are translated in our business activity (ESG assessment, reporting, project management or IT activities), our work environment and in our responsible practices for environment protection.