Senior Associate|AM

About BNP Paribas Group:

BNP Paribas is a top-ranking bank in Europe with an international profile. It operates in 71 countries and has almost 1++ 000 employees. The Group ranks highly in its three core areas of activity: Domestic Markets and International Financial Services (whose retail banking networks and financial services are grouped together under Retail Banking & Services) and Corporate & Institutional Banking, centred on corporate and institutional clients. The Group helps all of its clients (retail, associations, businesses, SMEs, large corporates and institutional) to implement their projects by providing them with services in financing, investment, savings and protection. In its Corporate & Institutional Banking and International Financial Services activities, BNP Paribas enjoys leading positions in Europe, a strong presence in the Americas and has a solid and fast-growing network in the Asia/Pacific region.

About BNP Paribas India Solutions:

Established in 2005, BNP Paribas India Solutions is a wholly owned subsidiary of BNP Paribas SA, a leading bank in Europe with an international reach. With delivery centers located in Bengaluru, Chennai and Mumbai, we are a 24x7 global delivery center. India Solutions services three business lines: Corporate and Institutional Banking, Investment Solutions and Retail Banking for BNP Paribas across the Group. Driving innovation and growth, we are harnessing the potential of over 6000 employees, to provide support and develop best-in-class solutions

About Businessline/Function :

Institutional Credit Analyst Team is a domain in the first line of defense in charge of covering all Institutional credit risk profile and related credit approval processes.

In this domain the Credit Team is responsible for completing the credit analysis for financial institutions and funds (including due diligence when necessary).

In particular, the Credit Team ensures that credit analysis and recommendations are provided in due time for Banks, Insurances, Sovereign, Brokers, other non-banks financial institutions, pensions funds, funds, hedge funds, regulated funds, funds of hedge funds, agency arrangements and asset managers.

The Credit Team performs credit analysis and provides credit recommendations on their respective delegation perimeter to Credit Committees, Transaction Approval Committees when the credit opinion on a specific counterparty is required, other RISK entities, Business Units or functions in response to general enquiries, Portfolio review committees.

Job Title:

Credit Analyst

Date:

2026

Department:

FIC ICAT APAC

Location:

Mumbai

Business Line / Function:

FIC ICAT APAC

Reports to:

(Direct)

Team Manager

Grade:

(if applicable)

NA

(Functional)

Number of Direct Reports:

NA

Directorship / Registration:

NA
Position Purpose

The Credit Team guarantees the selection and the follow up of counterparties considered Doubtful, under Watch List or sensitive list, evaluates the accurate level of provisioning, guarantees the quality of credit files and portfolios (notably by complying with regulatory framework e.g. Basel III requirements and including credit policies, rating policies and other Group guidelines), develops local market intelligence by performing desk research (financial statement analysis, monitoring of published research), maintains a network of Industry contacts and performs on site due diligence, guarantees that available local market information and views on risk issues are communicated swiftly and effectively.

The Credit Team is a main partner for the Senior Credit Officers and their "binomes" for the clients covered by the financial institution credit process and is also in permanent interaction with other business lines for uncovered clients

Responsibilities

Mission

· The credit analyst is responsible for completing credit analysis on a portfolio of Financial Institutions to facilitate informed credit decisions.

· Develop in-depth understanding of the groups under the responsibility and develop market intelligence by investigating all available sources of credit and financial information.

· Monitor permanently the portfolio under their responsibility to detect any credit issue requiring a specific review.

· Conduct Annual and interim reviews. Produce in due time and present in Credit Committee a factual summary of client's credit worthiness (credit proposal), compliant with the Bank's guidelines. The credit proposal includes a recommendation on the ratings, the limits, the legal credit terms and the risk strategy vis-a-vis the client.

· Develop a good knowledge of the banking environment: capital market products, legal documentations, accounting and regulatory environments.

· Perform portfolio reviews when required.

· Keep abreast of the changing methodologies and credit policies

Interactions with the (clients under coverage)

· Interacts in full transparency with the clients under coverage.

· Attend, when necessary, discussions forum under the leadership of the clients under coverage.

Guarantee

· Guarantee rigorous and synthetic credit risk analysis and recommendation (Annual review, ad hoc, credit notes, comparative analysis)

· Guarantee the application of Bank's procedures and policies and the consistency of Bank's ratings

Contribute

· Contribute to the formalisation of the credit decisions in the credit workflow tool

· Contribute to the risk strategy definition by providing recommendation on the risk profile of the counterparty and on specific transactions in relationship with the appropriate stakeholders

· Contribute to the Bank's reactivity vis-à-vis clients' expectations by prioritizing urgent requests under their responsibility with manager

· Contribute to the quality of process : use adequately the credit process' flow and workflow system, maintain critical client data, interact efficiently ahead of credit committee with the various stakeholders of the credit process

· Contribute to the development of policies, reports and risk tools, and to the Credit Process optimization

Interactions with Business Lines (uncovered clients)

· Discuss the requests of Credit limits with the Business Lines

· Provide credit analysis and recommendation in the frame of AR or ad hoc Credit Committee on clients followed by Business Lines

· Work with Business Lines to mitigate risk related to the counterparties

· Ask for Due diligence 's meeting or credit review
Technical & Behavioral Competencies

·Strong and proven analytical skills

·Adaptability and proactivity, multitasking

·Strong presentation and communication skills (verbal and written)

·Advanced knowledge of Microsoft Office (Word, Excel, PowerPoint)

·Solid knowledge and understanding of banking and financial markets

·Understanding of Corporate Banking and Capital Markets products

·Self-driven and organized

·Rigorous and reliable
Specific Qualifications (if required)

· Master's Degree/MSc/Master 2 from Business School or University in Banking, Finance, Economics, Risk Management, Financial Markets or other relevant areas

· 3 years experience in a similar function

Languages

· English (fluent)

· Additional Asian language would be welcomed

Skills Referential

Behavioural Skills: (Please select up to 4 skills)

Adaptability

Communication skills - oral & written

Client focused

Attention to detail / rigor

Transversal Skills: (Please select up to 5 skills)

Analytical Ability

Ability to develop and adapt a process

Choose an item.

Choose an item.

Choose an item.

Education Level:

Master Degree or equivalent

Experience Level

At least 7 years

Other/Specific Qualifications (if required.