Senior Associate - R&A, Credit Analysis

Australia and New Zealand Banking Group Limited; Bengaluru; Hybrid; INR 2,000,000 - 2,800,000; Full time

Job summary

Australia and New Zealand Banking Group Limited (ANZ) Bengaluru seeks a Senior Associate in R&A, Credit Analysis to lead a team of analysts, manage end-to-end credit management, and provide high-quality credit opinions for a diverse corporate portfolio within a hybrid work model.

The role requires 7–8 years in credit analysis, strong communication, and leadership with exposure to risk evaluation, documentation, and client relationships.

Qualifications

• CA or MBA in Finance or Masters in Economics required.
• 7–8 years in credit analysis or research.
• Excellent communication and stakeholder relationship skills.
• Experience leading teams and people management.

Responsibilities

• Lead a team of credit analysts to deliver high-quality credit analysis.
• Manage credit papers, risk assessment and approvals.
• Engage with Relationship Managers and Credit on risk matters.
• Ensure portfolio adherence to policies and controls.

Skills

Excellent communication

Credit analysis

Stakeholder management

Team leadership

Financial analysis

Education

Chartered Accountant or MBA Finance / Masters in Economics

Job description

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Senior Associate - R&A, Credit Analysis

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

This role is within the Corporate Research & Analysis (‘R&A') team covering Australian clients. The role will provide an exposure to manage a variety of clients in the region, team management and stakeholder management.

The incumbent is primarily responsible to manage an assigned portfolio with focus on financial analysis of the customer portfolio via preparation of Industry Sector Reviews and Credit Memoranda to capture customer opportunities within acceptable risk parameters and facilitate informed credit decisioning. Also, involves team management, functional guidance to team members and end-to-end relationship credit management process - Credit Writing, Risk Grading, Risk Analysis & Credit Approval, Documentation and Portfolio Monitoring (well managed).

What will your day look like?

To perform research & analysis and other credit management activities for the clients in the Corporate Banking portfolio, including leading and managing a team of analysts. This includes the following:

• Provide leadership, guidance and direction to a team of specialized credit analysts to deliver high quality, globally consistent, time sensitive credit analysis and credit management.
• Identifying and managing risks inherent in the client’s capital and management structure, as well as financial results.
• Evaluating asset/project specific performance with risk evaluation & mitigation strategies.
• Prepare quality credit papers including financial analysis and property industry research.
• Liaising with Relationship Managers and Credit on risk and financial performance related matters.
• Well Managed portfolio within agreed portfolio management processes and controls.
• Ensure adherence to credit, compliance and organization wide policies and procedures.
• Driving efficiency in the portfolio and enhancing team capacity management from time to time.
• Demonstrate strong stakeholder management and timely feedback mechanism. Escalating issues and challenges in a timely manner and addressing the same in collaboration with management within the required timelines.
• Consistently demonstrating behaviors that align with ANZ Values and supporting the local management in fostering and reinforcing the same values across the team.

What will you bring?

To grow and be successful in this role, you will ideally bring the following:

• Qualified Chartered Accountant or MBA Finance from a premier institution or Masters in Economics, etc
• 7-8 years’ work experience in the field of credit analysis or research field
• Excellent communication and ability to build effective stakeholder relationships
• Strong credit analysis skills (strong fundamentals), business acumen & excellent report writing skills
• Understanding of credit products and being able to use judgement to assess the risks as well as mitigants
• People management experience and demonstrated leadership exposure
• Strong process driven behavior and attention to detail

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 our 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.

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