Senior Analyst- Credit Analysis- UK & Europe

Australia and New Zealand Banking Group Limited; Bengaluru; Hybrid; INR 1,200,000 - 1,800,000; Full time

Job summary

ANZ is seeking a Senior Analyst- Credit Analysis for UK & Europe in Bengaluru. The role sits within the Research & Analysis function supporting the UK & Europe Corporate Banking business.

You will analyze institutional clients, prepare credit submissions, and monitor portfolios across diverse sectors while collaborating with Relationship Managers and Credit teams. The position offers exposure to end-to-end credit management lifecycle, including risk grading, approvals, and covenant monitoring,

Qualifications

• 1-3 years work experience in credit risk, corporate banking, portfolio management or financial analysis.
• Strong credit analysis and report writing skills with the ability to translate financial and business insights into actionable credit recommendations.
• Understanding of Banking operations and Banking Products.
• Ability to deliver quality outcomes across a large and diverse client portfolio.
• Strong stakeholder management and relationship building skills.
• Qualified Chartered Accountant or MBA Finance from a premier institution or other avenues such as master’s in economics, etc

Responsibilities

• Conduct detailed financial, business, and industry analysis for institutional corporate clients.
• Prepare high-quality credit submissions, annual reviews, and credit recommendations.
• Identify, assess, and manage risks associated with clients' capital structures, management teams, and financial performance.
• Manage a diverse portfolio of clients, ensuring timely completion of annual reviews, risk monitoring, and portfolio management activities.
• Drive end-to-end credit processes including risk grading, credit assessment, credit approval support, documentation review, and ongoing portfolio monitoring.
• Partner with Relationship Managers and Credit teams on risk, performance, and transaction-related matters.
• Complete portfolio management activities including covenant monitoring, limit maintenance, and well-managed regulatory requirements.
• Monitor emerging risks and proactively escalated issues where appropriate.
• Contribute to maintaining portfolio quality in line with ANZ policies, risk appetite, and regulatory requirements.

Skills

Credit risk analysis

Financial statement analysis

Stakeholder management

Education

MBA Finance or CA

Job description

Senior Analyst- Credit Analysis- UK & Europe

Division: Institutional

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 role sits within the Research & Analysis (R&A) function supporting ANZ's UK & Europe Corporate Banking business. The team manages a large and diverse portfolio of institutional clients across a range of sectors including Retail, Manufacturing, Industrials, Media, Entertainment, and other corporate industries.

Research & Analysis is responsible for partnering closely with Coverage and Credit Risk teams to identify, assess, and manage customer and portfolio risks while supporting business growth. The team acts as a key interface between Relationship Managers and Credit, delivering balanced outcomes through strong customer focus, proactive risk management, and efficient execution.

The role provides exposure to the end-to-end credit management lifecycle, including credit writing, risk grading, credit analysis, approvals, documentation, portfolio monitoring, covenant monitoring, and ongoing portfolio management activities.

What will your day look like?

• Conduct detailed financial, business, and industry analysis for institutional corporate clients.
• Prepare high-quality credit submissions, annual reviews, and credit recommendations.
• Identify, assess, and manage risks associated with clients' capital structures, management teams, and financial performance.
• Manage a diverse portfolio of clients, ensuring timely completion of annual reviews, risk monitoring, and portfolio management activities.
• Drive end-to-end credit processes including risk grading, credit assessment, credit approval support, documentation review, and ongoing portfolio monitoring.
• Partner with Relationship Managers and Credit teams on risk, performance, and transaction-related matters.
• Complete portfolio management activities including covenant monitoring, limit maintenance, and well-managed regulatory requirements.
• Monitor emerging risks and proactively escalated issues where appropriate.
• Contribute to maintaining portfolio quality in line with ANZ policies, risk appetite, and regulatory requirements.

What will you bring?

To be successful in this role, you will ideally bring:

• 1-3 years work experience in credit risk, corporate banking, portfolio management or financial analysis.
• Strong credit analysis and report writing skills with the ability to translate financial and business insights into actionable credit recommendations.
• Understanding of Banking operations and Banking Products
• Ability to deliver quality outcomes across a large and diverse client portfolio
• Strong stakeholder management and relationship building skills.
• Qualified Chartered Accountant or MBA Finance from a premier institution or other avenues such as master’s in economics, etc

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.