Senior Risk Analyst

Crédit Agricole CIB; Mumbai; On-site; INR 1,600,000 - 2,400,000; Full time

Job summary

A leading financial institution is seeking a Senior Manager for Consumer Credit Risk in Mumbai. The role involves financial and credit analysis, issuing risk opinions, and coordinating with various risk analyst teams. Candidates should have 8-10 years of experience in corporate risk analysis within banks or rating agencies. This full-time position requires strong analytical skills and the ability to interact with senior bankers and manage risk exposures effectively.

Qualifications

• Proven expertise in financial and credit analysis.
• Strong understanding of risk management processes.
• Ability to coordinate with various teams and manage risk exposures.

Responsibilities

• Conduct financial and credit analysis of corporate clients.
• Issue risk opinions and monitor credit limits.
• Participate in Local Credit Committees and review risk strategies.

Skills

Ability to read and analyse financial statements

Industry knowledge

8-10 years’ experience in corporate risk analysis

Job description

Consumer Credit Risk - Senior Manager/ Manager

Credit Risk Analyst (Officer) - Leveraged Finance Underwriting

Responsibilities

• Financial and credit analysis and writing of corporate credit files
• Determining risk ratings in the rating tools
• Issuing of risk opinion or risk conclusion on the credit requests
• Participation in the Local Credit Committees
• Co-ordinate with Regional and HO risk analyst teams
• Monitoring of the economic and financial evolution of clients
• Monitoring of global set of credit limits on clients / groups
• Interaction with Senior bankers / Relationship Managers on the credit requests and ongoing monitoring of risk exposures
• Analyzing the credit applications received from the Front Office (FO), conducting a financial and credit analysis, and writing of credit files in co‑ordination with senior bankers/ relationship managers for their portfolio and for all business lines relevant to a particular corporate client;
• Advising senior bankers and business lines on the structuring of the transactions / Group structures / line structure / methodology, during the preparation of the credit application;
• Determining Risk Ratings in the rating tools (calculation, proposal and validation) for groups and counterparties;
• Ensuring that the risk strategy elaborated by the senior banker is consistent with the Bank’s risk strategies for the relevant sectors and country;
• Conducting annual review of credit limits and rating review of counterparties / groups; ensuring that the annual reviews are prepared in a timely manner and that ratings are reviewed by the Bank at least every 12 months;
• Monitoring of the economic and financial evolution of clients; providing alerts to the head of the Department / management of potential deterioration of risk profiles of borrowers and of critical situations;
• Monitoring of the global set of limits and exposure on groups / counterparties;
• Per delegation level, issuing risk opinion or risk conclusion concerning the borrower, the relevant of the proposed transaction, the set up of credit limits and the internal rating; participation to the Local Credit Committee. For credit applications exceeding the local delegation, working in co‑ordination with the regional / HO risk analyst teams;
• Update and capture data in the electronic credit decision workflow systems;
• Preparing information and data for annual portfolio reviews;

Candidate's Technical Skills

• Ability to read and analyse financial statements / balance sheet understanding.
• Industry / sector knowledge.
• 8-10 years’ experience in corporate risk analysis department of banks / rating agencies.

Seniority level

• Associate

Employment type

• Full‑time

Job function

• Analyst

Industries

• Banking

Location: Mumbai, Maharashtra, India