Risk - Credit Risk - Associate - Bengaluru

Goldman Sachs Group, Inc.; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Goldman Sachs Group, Inc. is seeking a Credit Risk professional to join the Credit Risk team. You will perform fundamental credit analysis of counterparties, assess financial strength, and support risk decisions across trading and lending activities.

You will review loan transactions, monitor credit trends in the portfolio, and build financial projection models while collaborating with global teams in CR. The role provides exposure to diverse projects and regulatory guidance within a leading

Responsibilities

• Assess the credit and financial strength of the firm's corporate borrowers and counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
• Review and provide recommendations for loan transactions, determine appetite and regulatory ratings, monitor credit trends in the portfolio, perform distressed analysis and estimate potential impairments
• Analyze the credit implications on corporate clients of various financial transactions including debt, equity and hybrid offerings, mergers and acquisitions, restructuring and share repurchases
• Build and maintain financial projection models

Job description

Divisional Overview

The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm. Whether assessing the creditworthiness of the firm's counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm's success. The division is ideal for collaborative individuals who have strong ethics and attention to detail.

Department overview

Credit Risk (CR) is responsible for managing the firm's credit exposure to its trading and lending counterparties. Leveraging its extensive expertise in financial, credit and risk analysis, CR ensures that credit exposure to our counterparts is managed within the firm's risk appetite. Staffed with more than 300 professionals, CR operates through 11 different offices around the world and credit professionals work closely with many areas of the firm. Given this structure, CR professionals gain diverse financial experience and a broad perspective on how the entire firm functions. The interaction with numerous departments and the range of projects that ensue allow for a challenging, varied and multi-dimensional work environment.

Credit Research Group

Credit Research Group plays a key role in assessing the credit and financial strength of corporate, financial institution, and sovereign counterparties by performing fundamental credit analysis through writing research reviews (covering both the counterparty and industry in which the counterparty transacts). This team is also responsible for the ongoing surveillance of all corporate/financial institution/sovereign counterparties, assignment of internal credit ratings, and participation in regulatory exams.

RESPONSIBILITIES AND QUALIFICATIONS

Responsibilities

Performing Counterparty Analysis and Risk Management:

• Assess the credit and financial strength of the firm's corporate borrowers and counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
• Review and provide recommendations for loan transactions, determine appetite and regulatory ratings, monitor credit trends in the portfolio, perform distressed analysis and estimate potential impairments
• Analyze the credit implications on corporate clients of various financial transactions including debt, equity and hybrid offerings, mergers and acquisitions, restructuring and share repurchases
• Build and maintain financial projection models