Lead Credit Analyst - FAI (Funds)

Societe Generale Global Solution Centre; Bengaluru; On-site; INR 502,000 - 837,000; Full time

Job summary

Societe Generale Global Solution Centre in Bengaluru is seeking a Credit Analyst specialized in Financial Institutions within the GLBA/CPM/FAI framework. You will analyze client financial data, evaluate credit risk, and manage documentation such as ISDA/CSA and GMRA while coordinating with legal and risk teams.

Responsibilities include processing credit requests, monitoring credit quality, and supporting special credit assignments in a fast-paced banking environment.

Qualifications

• Ability to organize time and deliverables to deadlines.
• Ability to adapt to shifting priorities with little notice.
• Ability to analyze counterparty risk and financial condition using data.
• Work with minimal supervision.
• Eagerness to learn various financial institution sectors.
• Collaborate with front office, risk, legal and client teams.

Responsibilities

• Process credit requests to meet deadlines and annual review cycle.
• Research and analyze financial data to support credit risk assessments.
• Conduct sector research to inform analyses.
• Develop credit judgment on facilities, tenor, and suitability.
• Propose obligor ratings using internal tools.
• Manage counterparty credit administration and legal documentation coordination.
• Monitor client credit quality and exposure; identify deteriorations.
• Coordinate credit requests with legal, Risk, and other parties.
• Assist on special credit related assignments and projects.

Skills

Time management

Prioritization

Counterparty risk analysis

Teamwork

Enthusiasm to learn

Tools

Word

Excel

SG internal systems

Job description

DEPARTMENT DESCRIPTION

Responsibilities

GLOBAL BANKING AND ADVISORY (GLBA) /Credit Portfolio Management – Financial Assets and Insurance (GLBA/CPM/FAI). The mission of CPM/FAI is to provide credit analysis and manage the credit relationship with clients of FAI. This position has a focus on Financial Institutions (Funds, Asset Managers, Agent Lenders and other NBFIs).

Main Accountabilities

The individual will be responsible for credit analysis of existing or new financial institution clients/counterparties related to the following industries: agent lenders, asset managers, regulated funds, pension funds; other NBFIs. Products lines encompass OTC derivatives, prime services products, foreign exchange, repo, securities lending and structured transactions. Clients may also require committed loan facilities. Day to day responsibilities include:

• Process credit requests in a timely manner to meet business deadlines and maintain the annual review cycle.
• Research and analyze financial data on the client to prepare high quality analysis in credit applications that address client credit risk and transaction risk.
• Conduct sector research to support the analysis.
• Develop strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client.
• Propose obligor ratings using our internal rating tools.
• Manage key components of counterparty credit administration such as internal ratings, trading documentation (ISDA/CSA, GMRA, GMSLA, GTB), and credit risk limits. Become knowledgeable of credit terms for legal documents and follow up with legal department on negotiations.
• Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality.
• Monitor exposure and manage credit limit exceptions. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure.
• Coordinate all aspects of a credit request, liaising with legal staff, Risk Division and relevant parties.
• Assist in special credit related assignments and projects, as required.

Required

Profile required

COMPETENCIES

Required:

• Ability to organize time and manage deliverables to deadlines.
• Ability to identify and accommodate shifting priorities with little notice.
• Ability to analyze and evaluate counterparty risk and financial condition based utilizing quantitative and qualitative data.
• Acquire ability to complete work with minimal or no supervision.
• Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors.
• Ability to work in a team environment, interfacing with team members, front office bankers and salespersons, risk team, and clients.

Technical Skills

Required:

• Proficiency using Word for written analysis and Excel for spreadsheet analysis.
• Ability to acquire knowledge of the accounting, legal and regulatory issues governing relevant sectors.
• Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed result(s).
• Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions.
• Develop competency with SG’s internal systems.

Desired:

• Knowledge of capital markets/traded products and committed financing facilities.
• Knowledge of Asset Management and Banking Industry.
• Advanced Excel skills, such as macros and pivot tables.

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.