Job Description
The Role Responsibilities
• The Team Leader & Director, Credit Analyst is a part of the relationship team within the Global Subsidiaries business in India.
• The incumbent is responsible for overseeing the GS India portfolio and for establishing and maintaining an end to end understanding of client needs and steering the client relationships to facilitate achievement of revenue aspirations across the portfolio.
• As a team lead, provide leadership reinforcing commitment to structure and strong business focus. Be a mentor to the team, guiding them on career planning and progression, building a highly motivated team.
• Provide oversight on quality of credit analysis performed within the team. Address training needs holistically, provide coaching and encourage independent credit analysis.
Monitor credit performance dashboard metrics and provide oversight on BCA TAT / overdues / refer backs, CaRT overdues, CA Efficiency etc.
• The role entails working with the senior bankers and product partners to structure appropriate solutions for clients in line with regulatory guidelines and internal risk appetite.
• The role includes responsibility of managing and mitigating credit risk in the portfolio and ensuring a high standard of credit governance
• Detailed knowledge of regulations and internal guidelines is critical
• This is a team lead plus individual contributor role.
Strategy
• Focused on building strong team engagement, mentor senior analysts in the team and improve performance of people through rigorous people management
• Support the Senior Bankers in the development and execution of the account strategy and deliver the financial performance objectives for GS India
• Develop industry and segment expertise within the team, knowledge of regulations as well as an understanding of SCB products.
• Ensure engagement with senior stake holders - country / regional business head and country Credit teams to align priorities and proactively address any issues.
• Identify and highlight issues faced by CAs and be the change agent to drive process improvement, working closely with credit, policy, COO and other stakeholders.
• In the course of credit and financial review, identify potential business opportunities with acceptable risk profile and relate the information to senior bankers for strategy discussions
Business
• Partner Relationship Managers in pursuing client strategies through proactive idea generation, support in client pitching and implementation of account strategy.
• Partner Risk through clear presentation of credit analysis as well as through proactive and considered discussion of key risk aspects.
• Bring strategic thought and vision as to how the sector landscape is changing and where areas of growth lie
• Ensure that industry and product knowledge is continually developed personally and within the team
• Stay abreast and anticipate the developments of the segments in which our clients operate
• Establish effective working relationships with key client contacts
• Maintain a strong working relationship with Risk, Legal, Compliance and other key stakeholders
• Provide focused, timely, and value-added ongoing credit assessment and analysis and reports, with proactive monitoring of portfolio for adverse or positive developments, based on country, economic or industry events
• Support growing the business and actively participate in the underwriting and credit assessment of new and existing clients.
Processes
• Timely drafting of credit analysis which is insightful, relevant and succinct and include the following, inter alia :
• Discussion of the dynamics and nature of the Client&rsquos industry, competitive positioning, including key risk aspects.
• Discussion of management strength, experience and track record and corporate governance more broadly
• Articulation of the Client&rsquos strategy and an assessment of its clarity and associated execution risks
• Assessment of funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity
• Assessment of balance sheet strength, alongside profitability vulnerability, via ratio analysis and / or stress testing including a current / performance forecast expectation
• Completion of Group Mandate / BCA Part 1, Part 2, financial analysis / spreads, scorecards
• Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals (e.g. Raptor, Group Aggregation Calculator)
• Testing and Monitoring Covenants & Risk Triggers
• EAR & ASTAR reporting / updates to credit
• Seek pre-approval endorsements(where applicable)
• Preparing country specific regulatory check-lists (where applicable)
Ensure smooth deal execution to deliver a seamless client experience :
• Prepare comprehensive credit proposals and ensure deal team takes all appropriate approvals
• Structure facilities keeping in mind client requirements and internal SCB risk appetite
• Help draft key transaction terms in line with Credit approvals and negotiate with the client
• Work on facility documentation to ensure alignment with internal approvals
• Track relationship revenues and returns and take steps to optimise overall group returns
• Evaluation of risks associated with particular proposed transactions, where required
Ensure effective monitoring of the overall segment portfolio :
• Annual assessments of exposures and timely renewals of limits
• Interim monitoring through quarterly performance reports, checks with other banks, adverse media coverage etc
• Ensure that portfolio has appropriate credit grading at all times
• Effectively use the external information including the feedback from other banks, suppliers, buyers, peers, etc
• Timely assessment of adverse movement in credit profile and transfer to Early Alert or GSAM
• Have a strong oversight on dissemination and understanding of policies, new regulations etc amongst the entire team
• Preparation of portfolio and risk exposure updates for submission to senior stakeholders
• Assess a wide variety of counterparty, transaction, and general risk issues on a portfolio as well as client level basis by using both quantitative and qualitative skills.
This will allow for early detection and remediation of broader level risk issues related to clients and assessing credit developments and trends at a segment and country level
People and Talent
• Put in place incentives for people to drive the right behaviours.
• Establish a culture of collaboration within the team and with RMs, CMs, product partners, Credit etc
• Develop talent within the team
• Improve performance of people through rigorous people management
• Focus on both diversity and inclusion. Maintain / improve representation of women in the team
• Provide credit specific coaching to newer or less experienced members of the team and instil independent, quality and timely credit analysis.
Mentor junior analysts and develop their expertise levels
• Develop expertise on products, industries / sectors, deal structures etc within the team
• Continually strive to share key relevant knowledge and learning&rsquos (lessons learnt from recent transactions / credit events) with the team
• Support the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team&rsquos activities
• Provide strong leadership to CA team ensuring independent, quality and timely credit analysis
• Manage team capacity catering to cyclical workloads - ensure timeliness by proactively planning capacity catering to cyclical demands and peak periods
• Develop training plans for team including induction pack for new joiners
• Support Business on ad hoc projects and strategic initiatives
• Monitor metrics and demonstrate quality and timeliness on credit work
Risk Management
• Work with RM teams to improve the management of limits and exposures
• Conduct comparative analysis of risk vs. return using portfolio data and provide recommendations for optimizing portfolios and use of capital
• Coordinate regional / global efforts to ensure compliance with BCA / GM renewal policies, CaRT and other credit administration processes
• Ensure zero BCA / credit review over dues and work to minimize extensions
• Conduct periodic portfolio reviews of assigned segment / industry to assess creditworthiness and initiate ad hoc reviews for clients subject to adverse news or vulnerable to specific economic, market or regulatory events
• Coordinate and conduct Stress Tests and portfolio review exercises for periodic check on the health of the portfolio and take appropriate risk management measures
• Ensure concerns on reputation risk and fraud risk are adequately assessed and mitigated
Governance
• Work with senior stakeholders to assess, design and change any processes to meet compliance with regulations or internal policies
• Highlight any discrepancies noted against any processes vis a vis regulatory guidelines
• Ensure that all transactions are in line with the bank's sustainability agenda
Regulatory & Business Conduct
• Display exemplary conduct and live by the Group&rsquos 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 GS analyst team to achieve the outcomes set out in the Bank&rsquos Conduct Principles
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders
• Internal Relationships : Senior Bankers, GAM, Risk (Credit, Fraud, Climate, Reputational), product partners, Legal, Compliance, CPM
• External Relationships : Clients, Rating Agencies
Our Ideal Candidate
Core Credit Curriculum Certification (CCC)
The Role Responsibilities
• Manage Conduct
• Financial Analysis
• Risk Management and Internal Controls
• Manage Fraud related risks
• Manage climate risks
• Manage People
• Business - Strategy and Model
• Business - Market Knowledge
• Business - Products and Processes
• Financial Balance Sheet Management
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
• The Team Leader & Director, Credit Analyst is a part of the relationship team within the Global Subsidiaries business in India.
• The incumbent is responsible for overseeing the GS India portfolio and for establishing and maintaining an end to end understanding of client needs and steering the client relationships to facilitate achievement of revenue aspirations across the portfolio.
• As a team lead, provide leadership reinforcing commitment to structure and strong business focus. Be a mentor to the team, guiding them on career planning and progression, building a highly motivated team.
• Provide oversight on quality of credit analysis performed within the team. Address training needs holistically, provide coaching and encourage independent credit analysis.
Monitor credit performance dashboard metrics and provide oversight on BCA TAT / overdues / refer backs, CaRT overdues, CA Efficiency etc.
• The role entails working with the senior bankers and product partners to structure appropriate solutions for clients in line with regulatory guidelines and internal risk appetite.
• The role includes responsibility of managing and mitigating credit risk in the portfolio and ensuring a high standard of credit governance
• Detailed knowledge of regulations and internal guidelines is critical
• This is a team lead plus individual contributor role.
Strategy
• Focused on building strong team engagement, mentor senior analysts in the team and improve performance of people through rigorous people management
• Support the Senior Bankers in the development and execution of the account strategy and deliver the financial performance objectives for GS India
• Develop industry and segment expertise within the team, knowledge of regulations as well as an understanding of SCB products.
• Ensure engagement with senior stake holders - country / regional business head and country Credit teams to align priorities and proactively address any issues.
• Identify and highlight issues faced by CAs and be the change agent to drive process improvement, working closely with credit, policy, COO and other stakeholders.
• In the course of credit and financial review, identify potential business opportunities with acceptable risk profile and relate the information to senior bankers for strategy discussions
Business
• Partner Relationship Managers in pursuing client strategies through proactive idea generation, support in client pitching and implementation of account strategy.
• Partner Risk through clear presentation of credit analysis as well as through proactive and considered discussion of key risk aspects.
• Bring strategic thought and vision as to how the sector landscape is changing and where areas of growth lie
• Ensure that industry and product knowledge is continually developed personally and within the team
• Stay abreast and anticipate the developments of the segments in which our clients operate
• Establish effective working relationships with key client contacts
• Maintain a strong working relationship with Risk, Legal, Compliance and other key stakeholders
• Provide focused, timely, and value-added ongoing credit assessment and analysis and reports, with proactive monitoring of portfolio for adverse or positive developments, based on country, economic or industry events
• Support growing the business and actively participate in the underwriting and credit assessment of new and existing clients.
Processes
• Timely drafting of credit analysis which is insightful, relevant and succinct and include the following, inter alia :
• Discussion of the dynamics and nature of the Client&rsquos industry, competitive positioning, including key risk aspects.
• Discussion of management strength, experience and track record and corporate governance more broadly
• Articulation of the Client&rsquos strategy and an assessment of its clarity and associated execution risks
• Assessment of funding strategy, financial policy, treasury activity (hedging, cash management) and liquidity
• Assessment of balance sheet strength, alongside profitability vulnerability, via ratio analysis and / or stress testing including a current / performance forecast expectation
• Completion of Group Mandate / BCA Part 1, Part 2, financial analysis / spreads, scorecards
• Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals (e.g. Raptor, Group Aggregation Calculator)
• Testing and Monitoring Covenants & Risk Triggers
• EAR & ASTAR reporting / updates to credit
• Seek pre-approval endorsements(where applicable)
• Preparing country specific regulatory check-lists (where applicable)
Ensure smooth deal execution to deliver a seamless client experience :
• Prepare comprehensive credit proposals and ensure deal team takes all appropriate approvals
• Structure facilities keeping in mind client requirements and internal SCB risk appetite
• Help draft key transaction terms in line with Credit approvals and negotiate with the client
• Work on facility documentation to ensure alignment with internal approvals
• Track relationship revenues and returns and take steps to optimise overall group returns
• Evaluation of risks associated with particular proposed transactions, where required
Ensure effective monitoring of the overall segment portfolio :
• Annual assessments of exposures and timely renewals of limits
• Interim monitoring through quarterly performance reports, checks with other banks, adverse media coverage etc
• Ensure that portfolio has appropriate credit grading at all times
• Effectively use the external information including the feedback from other banks, suppliers, buyers, peers, etc
• Timely assessment of adverse movement in credit profile and transfer to Early Alert or GSAM
• Have a strong oversight on dissemination and understanding of policies, new regulations etc amongst the entire team
• Preparation of portfolio and risk exposure updates for submission to senior stakeholders
• Assess a wide variety of counterparty, transaction, and general risk issues on a portfolio as well as client level basis by using both quantitative and qualitative skills.
This will allow for early detection and remediation of broader level risk issues related to clients and assessing credit developments and trends at a segment and country level
People and Talent
• Put in place incentives for people to drive the right behaviours.
• Establish a culture of collaboration within the team and with RMs, CMs, product partners, Credit etc
• Develop talent within the team
• Improve performance of people through rigorous people management
• Focus on both diversity and inclusion. Maintain / improve representation of women in the team
• Provide credit specific coaching to newer or less experienced members of the team and instil independent, quality and timely credit analysis.
Mentor junior analysts and develop their expertise levels
• Develop expertise on products, industries / sectors, deal structures etc within the team
• Continually strive to share key relevant knowledge and learning&rsquos (lessons learnt from recent transactions / credit events) with the team
• Support the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team&rsquos activities
• Provide strong leadership to CA team ensuring independent, quality and timely credit analysis
• Manage team capacity catering to cyclical workloads - ensure timeliness by proactively planning capacity catering to cyclical demands and peak periods
• Develop training plans for team including induction pack for new joiners
• Support Business on ad hoc projects and strategic initiatives
• Monitor metrics and demonstrate quality and timeliness on credit work
Risk Management
• Work with RM teams to improve the management of limits and exposures
• Conduct comparative analysis of risk vs. return using portfolio data and provide recommendations for optimizing portfolios and use of capital
• Coordinate regional / global efforts to ensure compliance with BCA / GM renewal policies, CaRT and other credit administration processes
• Ensure zero BCA / credit review over dues and work to minimize extensions
• Conduct periodic portfolio reviews of assigned segment / industry to assess creditworthiness and initiate ad hoc reviews for clients subject to adverse news or vulnerable to specific economic, market or regulatory events
• Coordinate and conduct Stress Tests and portfolio review exercises for periodic check on the health of the portfolio and take appropriate risk management measures
• Ensure concerns on reputation risk and fraud risk are adequately assessed and mitigated
Governance
• Work with senior stakeholders to assess, design and change any processes to meet compliance with regulations or internal policies
• Highlight any discrepancies noted against any processes vis a vis regulatory guidelines
• Ensure that all transactions are in line with the bank's sustainability agenda
Regulatory & Business Conduct
• Display exemplary conduct and live by the Group&rsquos 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 GS analyst team to achieve the outcomes set out in the Bank&rsquos Conduct Principles
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key Stakeholders
• Internal Relationships : Senior Bankers, GAM, Risk (Credit, Fraud, Climate, Reputational), product partners, Legal, Compliance, CPM
• External Relationships : Clients, Rating Agencies
Our Ideal Candidate
Core Credit Curriculum Certification (CCC)
The Role Responsibilities
• Manage Conduct
• Financial Analysis
• Risk Management and Internal Controls
• Manage Fraud related risks
• Manage climate risks
• Manage People
• Business - Strategy and Model
• Business - Market Knowledge
• Business - Products and Processes
• Financial Balance Sheet Management
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 Director |26 Head| Credit Analysis Global Subsidiaries 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.
