Job Description
Credit Analyst-()
Job
:Retail Banking
Primary Location
:Asia-India-Mumbai
Schedule
:Full-time
Employee Status
:Permanent
Posting Date
:0+/Mar/2026, +:01:3+ AM
Unposting Date
:25/Mar/2026, 7:5+:00 PM
Roles and Responsibility
Business
• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
• Work with the RM, in a) obtaining all pre clearances b) preparing & presenting work-shopping note and c) expediting approvals.
• Responsible for end-to-end BCA process using all the tools like Creditlens, RMWB, Raptor, Scorecard, etc and perform, in-depth analysis of various risks, make quality presentation and ensure fast credit approval.
• Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the BCA/ Regulatory checklist, other special reporting requirements, etc.
• Coordinate and prepare for credit meetings
• Liaise with GAM Credit for limit approval/allocation.
Processes
• Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
• Ensure timely submission of quality Quarterly Credit/ Performance Reports
• Review reports from various tools – like Fraud Risk Analytics, Credit Analytics etc.
• Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
• Ensure Zero BCA and CaRT over dues.
• Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
• Proper maintenance of Credit files and ensuring Audit Ready at any time
• Attend EAR/Portfolio calls along with the RMs
• In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank's policies and guidelines
• Work with RM on account management with stressed asset team
• Embed usage of Credit Risk Analytics and Credit Anlytics Framework.
• Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.
Risk Management
• Display exemplary conduct and live by the Group's Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Governance
• Ensure adequate and appropriate systems and controls are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation
• Ensure own and team's adherence with the relevant policies and processes, including
• Anti Money laundering (AML) and all applicable money laundering prevention procedures
• Client Due Diligence & Related Periodic Reviews
• Client Suitability Standards
• Treating Customers Fairly
• Approval & review of Credit Applications
• Maintain Documentary standards
• Data Confidentiality
• Cross-Border Policy
• Sanctions
• Environmental and Social Risk Management (ESRM)
• Anti-Bribery and Corruption (ABC)
• Embed the Group's values and code of conduct to ensure adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture
• Engage with all audit report findings and ensure feedback is acted upon
Regulatory & Business Conduct
• Display exemplary conduct and live by the Group's Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Lead the Business to achieve the outcomes set out in the Bank's Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Others
• Prepare timely Stress Tests wherever required
• Prepare specific industry study
• Prepare Credit Opinion reports wherever required.
• Effective use of Creditmate & RMWB
• Be prepared to do any other activity which might be required from job perspective
Key Stakeholders
Internal
• Credit
• Relationship Manager
• Other stake holders (FM/TB/IMO/Audit etc)
External
• Clients / Trade associations,
• legal firms, Accountants etc
Our Ideal Candidate
• Substantial experience in the banking industry, including demonstrated success in a similar role.
• Must possess sharp business acumen (including ability to assess risk and appropriate levels of return), excellent interpersonal skills and multi-cultural awareness and sensitivity.
• Ability to work with geographically dispersed and highly varied stakeholders
• At least 1-2 years of relevant experience in credit analysis
Role Specific Technical Competencies
• Business – Market Knowledge
• Business – Products and Processes
• FM – Products – Bonds and Loans
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 160 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we:
• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
• In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations
• Time-off including annual, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum
• Flexible working options based around home and office locations, with flexible working patterns
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.
• Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.
Visit our careers website
Job
:Retail Banking
Primary Location
:Asia-India-Mumbai
Schedule
:Full-time
Employee Status
:Permanent
Posting Date
:0+/Mar/2026, +:01:3+ AM
Unposting Date
:25/Mar/2026, 7:5+:00 PM
Roles and Responsibility
Business
• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
• Work with the RM, in a) obtaining all pre clearances b) preparing & presenting work-shopping note and c) expediting approvals.
• Responsible for end-to-end BCA process using all the tools like Creditlens, RMWB, Raptor, Scorecard, etc and perform, in-depth analysis of various risks, make quality presentation and ensure fast credit approval.
• Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the BCA/ Regulatory checklist, other special reporting requirements, etc.
• Coordinate and prepare for credit meetings
• Liaise with GAM Credit for limit approval/allocation.
Processes
• Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
• Ensure timely submission of quality Quarterly Credit/ Performance Reports
• Review reports from various tools – like Fraud Risk Analytics, Credit Analytics etc.
• Monitor Risk Triggers, Covenants and other credit conditions and report appropriately
• Ensure Zero BCA and CaRT over dues.
• Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
• Proper maintenance of Credit files and ensuring Audit Ready at any time
• Attend EAR/Portfolio calls along with the RMs
• In partnership with the relationship manager, ensure timely identification of accounts to be put in EAR as per the bank's policies and guidelines
• Work with RM on account management with stressed asset team
• Embed usage of Credit Risk Analytics and Credit Anlytics Framework.
• Ensure portfolio is maintained with high quality – both, from credit risk and hygiene perspective.
Risk Management
• Display exemplary conduct and live by the Group's Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Governance
• Ensure adequate and appropriate systems and controls are in compliance with Group and Business policies, procedures, standards and codes, including those governing all Risk types, Compliance, Operational Risk, Technology and Operations, Finance and Reputation
• Ensure own and team's adherence with the relevant policies and processes, including
• Anti Money laundering (AML) and all applicable money laundering prevention procedures
• Client Due Diligence & Related Periodic Reviews
• Client Suitability Standards
• Treating Customers Fairly
• Approval & review of Credit Applications
• Maintain Documentary standards
• Data Confidentiality
• Cross-Border Policy
• Sanctions
• Environmental and Social Risk Management (ESRM)
• Anti-Bribery and Corruption (ABC)
• Embed the Group's values and code of conduct to ensure adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees form part of the culture
• Engage with all audit report findings and ensure feedback is acted upon
Regulatory & Business Conduct
• Display exemplary conduct and live by the Group's Values and Code of Conduct.
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Lead the Business to achieve the outcomes set out in the Bank's Conduct Principles: Fair Outcomes for Clients; Effective Operation of Financial Markets; Financial Crime Prevention; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Others
• Prepare timely Stress Tests wherever required
• Prepare specific industry study
• Prepare Credit Opinion reports wherever required.
• Effective use of Creditmate & RMWB
• Be prepared to do any other activity which might be required from job perspective
Key Stakeholders
Internal
• Credit
• Relationship Manager
• Other stake holders (FM/TB/IMO/Audit etc)
External
• Clients / Trade associations,
• legal firms, Accountants etc
Our Ideal Candidate
• Substantial experience in the banking industry, including demonstrated success in a similar role.
• Must possess sharp business acumen (including ability to assess risk and appropriate levels of return), excellent interpersonal skills and multi-cultural awareness and sensitivity.
• Ability to work with geographically dispersed and highly varied stakeholders
• At least 1-2 years of relevant experience in credit analysis
Role Specific Technical Competencies
• Business – Market Knowledge
• Business – Products and Processes
• FM – Products – Bonds and Loans
About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 160 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents. And we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we:
• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
• In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations
• Time-off including annual, parental/maternity (20 weeks), sabbatical (12 weeks maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum
• Flexible working options based around home and office locations, with flexible working patterns
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.
• Recruitment assessments - some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process.
Visit our careers website
💡 Quick Summary
Seeking a career-building opportunity? The Credit Analyst position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
