Risk Analyst - Credit and Portfolio Management

Deutsche Bank; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Benefits offered by this job

Leave policy

Parental leave reimbursement

Certification sponsorship

Employee Assistance Program

Health insurance

Life Insurance

Health screening

Job summary

Deutsche Bank in Mumbai seeks a Senior Risk Analyst to perform credit analysis, write reviews, and monitor international portfolios. You will engage with KCPs and credit officers to ensure accurate risk assessment and timely decision support.

Strong analytical skills, accounting background, and familiarity with AI tools are needed to drive efficient risk management in a global bank. The role offers exposure to diverse markets, regulatory alignment, and opportunities to contribute to risk

Qualifications

• MSc / MA / MBA / CA / CFA or equivalent qualifications.
• Experience in credit underwriting.
• Strong analytical skills and knowledge of financial markets and industry trends.
• Strong accounting background with financial statement analysis and cash flow forecasting.
• Ability to leverage AI tools to enhance productivity while ensuring responsible use of data.

Responsibilities

• Undertake accurate and timely credit analysis of counterparties ( Corporates and FIs ).
• Write rating reports and credit reviews for senior approval.
• Monitor and assess credit risk across international portfolios and incident news events.
• Understand banking products and credit documentation; support credit officers.
• Maintain credit system data and update limits/exposures; monitor covenants and approvals.
• Collaborate across stakeholders to ensure complete understanding of exposure.

Skills

Credit underwriting

Financial analysis

AI tools

Risk management

Portfolio management

Education

MSc / MA / MBA / CA / CFA

Job description

Risk Analyst Job Description: Job Title: Risk Analyst Corporate Title: Associate Location: Mumbai, India 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 Rating Team (GCRT) 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 Risk’s transformation journey, GCRT is bringing Credit documentation to its purview and requires strong analysts to handle the same.

What we’ll offer you

As part of our flexible scheme, here are just some of the benefits that you’ll enjoy

• Best in class leave policy
• Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral)
• 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 We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group.

We welcome applications from all people and promote a positive, fair and inclusive work environment.

Experience Level Senior Level