Job Description
Job Description - Credit Analyst, Medium Enterprises - BB ()
Credit Analyst, Medium Enterprises - BB - ( )
Job
: Retail Banking
Primary Location
Schedule
: Full-time
Employee Status
: Permanent
Posting Date
: 10/Mar/2026, 8:20:34 AM
Unposting Date
: 23/Mar/2026, 11:5+:00 PM
Roles and Responsibility
Business
• Analyse balance sheet and various financial ratio to assess credit worthiness of the clients
• Assess projected financial and assessment of credit facilities.
• Provide support to achieve Business Plan through quick turnaround of NTB proposals and new deals. Evaluate all deals in terms of appropriate balance between reward and risk.· Maintain thorough oversight on all credit aspects of assigned portfolio and proactively highlight risks
• Timely and accurate performance of credit reviews and adherence to all aspects of policy and procedure
• Full adherence to Credit Admin Framework and all related aspects
• Fully adopt Early Warning System to strengthen risk monitoring
• Assist with co-management of stressed accounts with GSAM to reduce impairments and strengthen recovery effort
• Quick turnaround on Credit Requests
• Embed usage of Credit Risk Analytics
• Ensure full adherence to code of conduc
Processes
• Ensure complete adherence to all processes for submission of BCA (credit proposals) and post sanction monitoring
• Monitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees
• Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
• Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM).
• Abide by the Group’s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees.
• Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.
• Do what is right in order to avoid reputational risks and operational losses
Governance
• Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business
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 work to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders
Internal
• Business Team
Other Responsibilities
• Provide Job Summary to give an overview of the role. It is primarily used when advertising the role internally and externally during hiring
Business
• Responsible for onboarding new clients through various avenues including Agri NTB accounts.
• Meeting existing clients, generating leads from them, meeting CA, Consultants etc can provide output.
• Understanding the client needs and providing solutions to them so that the purpose is also solved and revenue part is also taken care
• Maintaining quality of the existing portfolio by checking the health of the account on periodic basis.
• Any suspicious activity / alert in the account should be immediately identified and discussed amongst the etam for taking future action.
• Sales Discipline: Timely and accurate account plans, timely updation of NTB and pipeline, and call reports
• Delivery on RORWA commitments made whilst approving
• Achieving assigned full year objectives as per annual P3 document
Processes
• Ensure adherence to all internal and external regulations.
• To embed Operational Risk monitoring as an integral part of the business process. Towards this, to effectively carry out the assigned role, if any, under Compliance Risk Management and Operational Risk Management Assurance.
• Monitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees
• Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
• Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM).
• Abide by the Group’s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees.
• Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.
• Do what is right in order to avoid reputational risks and operational losses
Governance
• Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business
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 [country / business unit / function/[team] to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.]
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key stakeholders
• Risk
• RMs
• Audit
Our Ideal Candidate
• Must be CA/MBA/PGDM
• Preferred 2-3 years of experience in a corporate banking environment.
• A good understanding of the general economic, political and business environment of the region.
• Self driven individual with strong problem solving and execution skills.
• Strong analytical skills.
• Team player – ability to work with colleagues at all levels to drive segment proposition
• Excellent verbal and written communication skills
• Collaborative with a “can do” attitude
• Ability to multi-task and manage multiple deliverables simultaneously
• Good knowledge of the Group’s policy, standards, local regulations, and legislations of the prevention of money laundering.
Role Specific Technical Competencies
• People Management
• Business Development
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
Credit Analyst, Medium Enterprises - BB - ( )
Job
: Retail Banking
Primary Location
Schedule
: Full-time
Employee Status
: Permanent
Posting Date
: 10/Mar/2026, 8:20:34 AM
Unposting Date
: 23/Mar/2026, 11:5+:00 PM
Roles and Responsibility
Business
• Analyse balance sheet and various financial ratio to assess credit worthiness of the clients
• Assess projected financial and assessment of credit facilities.
• Provide support to achieve Business Plan through quick turnaround of NTB proposals and new deals. Evaluate all deals in terms of appropriate balance between reward and risk.· Maintain thorough oversight on all credit aspects of assigned portfolio and proactively highlight risks
• Timely and accurate performance of credit reviews and adherence to all aspects of policy and procedure
• Full adherence to Credit Admin Framework and all related aspects
• Fully adopt Early Warning System to strengthen risk monitoring
• Assist with co-management of stressed accounts with GSAM to reduce impairments and strengthen recovery effort
• Quick turnaround on Credit Requests
• Embed usage of Credit Risk Analytics
• Ensure full adherence to code of conduc
Processes
• Ensure complete adherence to all processes for submission of BCA (credit proposals) and post sanction monitoring
• Monitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees
• Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
• Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM).
• Abide by the Group’s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees.
• Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.
• Do what is right in order to avoid reputational risks and operational losses
Governance
• Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business
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 work to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders
Internal
• Business Team
Other Responsibilities
• Provide Job Summary to give an overview of the role. It is primarily used when advertising the role internally and externally during hiring
Business
• Responsible for onboarding new clients through various avenues including Agri NTB accounts.
• Meeting existing clients, generating leads from them, meeting CA, Consultants etc can provide output.
• Understanding the client needs and providing solutions to them so that the purpose is also solved and revenue part is also taken care
• Maintaining quality of the existing portfolio by checking the health of the account on periodic basis.
• Any suspicious activity / alert in the account should be immediately identified and discussed amongst the etam for taking future action.
• Sales Discipline: Timely and accurate account plans, timely updation of NTB and pipeline, and call reports
• Delivery on RORWA commitments made whilst approving
• Achieving assigned full year objectives as per annual P3 document
Processes
• Ensure adherence to all internal and external regulations.
• To embed Operational Risk monitoring as an integral part of the business process. Towards this, to effectively carry out the assigned role, if any, under Compliance Risk Management and Operational Risk Management Assurance.
• Monitor all major risk issues and concentrations. Where appropriate, direct remedial action and/or ensure adequate reporting to Risk Committees
• Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders.
• Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM).
• Abide by the Group’s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees.
• Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees.
• Do what is right in order to avoid reputational risks and operational losses
Governance
• Promote an environment where compliance with internal control functions and the external regulatory framework is a central priority of the business
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 [country / business unit / function/[team] to achieve the outcomes set out in the Bank’s Conduct Principles: [Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment.]
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key stakeholders
• Risk
• RMs
• Audit
Our Ideal Candidate
• Must be CA/MBA/PGDM
• Preferred 2-3 years of experience in a corporate banking environment.
• A good understanding of the general economic, political and business environment of the region.
• Self driven individual with strong problem solving and execution skills.
• Strong analytical skills.
• Team player – ability to work with colleagues at all levels to drive segment proposition
• Excellent verbal and written communication skills
• Collaborative with a “can do” attitude
• Ability to multi-task and manage multiple deliverables simultaneously
• Good knowledge of the Group’s policy, standards, local regulations, and legislations of the prevention of money laundering.
Role Specific Technical Competencies
• People Management
• Business Development
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
💡 Quick Summary
Seeking a career-building opportunity? The Credit Analyst| Medium Enterprises | BB position is now open for candidates interested in the Bank Jobs sector. This role in Kolkata, 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.
