Embark on a transformative journey, Join us as an Analyst - Wholesale Credit Sanctioning - LevFin - Controls & Governance, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unapparelled customer experiences. The person taking on the role will enable the success of the global Leveraged Finance Risk team and senior executives on key projects and strategic initiatives, ensuring projects are on track, monitoring of progress, and provision of regular updates to the executive team. Support to the senior executive with risk and control oversight and assess the effectiveness of internal controls. Provide data management and review, controls and governance oversight and support in ad hoc projects, regulatory reviews, global audits and strategic initiatives. Support data science and analytics opportunities that were identified during controls testing and effectively communicate the same to respective stakeholders.
You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job-specific technical skills.
To be successful in this role as an “Analyst - Wholesale Credit Sanctioning - LevFin - Controls & Governance", you should possess the following skillsets:
- Strong knowledge of Excel macros, pivot tables, and PowerPoint integration and presentations.
- Familiarity with data visualization and dashboard integration with Tableau.
- Experience with one or more of Python, Alteryx, SQL, VBA or Hypercube.
- Create dynamic excel workbooks and programs that eliminate the need for repetitive hands-on work.
- Able to work independently and as part of a team, including within global and virtual teams.
- Preferred to have experience of controls testing/internal audits against risk and controls frameworks and testing methodologies.
- Good control and service delivery mind-set, with a strong understanding of the importance of creating and maintaining a robust governance and control environment.
- Possess good interpersonal, verbal and written communication skills, and can clearly articulate complex concepts and ideas.
Some other highly valued skills include:
- Proven experience in Risk and Control testing, data management or internal controls of a major banking/ financial services organisation.
- Able to identify critical, high priority activities and adjust priorities for self and others.
The location of the role is Nirlon Knowledge Park, Mumbai.
Purpose of the role
To independently assess and make credit decisions for complex financing transactions within the LevFin, SLF, and Hedge Funds sectors, ensuring alignment with the bank's credit risk appetite and regulatory requirements and contribute to the development and implementation of credit risk policies and procedures for the Specialised Sector.
Accountabilities
- Analysis of complex financial information and business models of LevFin, SLF, and Hedge Fund clients to assess their creditworthiness, repayment capacity, and potential risks.
- Monitoring of the performance of the LevFin, SLF, and Hedge Fund portfolio, identifying and reporting early warning signs of potential credit deterioration.
- Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions.
- Documentation credit decisions and rationale in a clear and concise manner, adhering to internal audit and regulatory reporting standards.
- Development and implementation of strategies to mitigate identified credit risks and optimise portfolio performance.
Analyst Expectations
- To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement.
- Requires in-depth technical knowledge and experience in their assigned area of expertise
- Thorough understanding of the underlying principles and concepts within the area of expertise
- They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources.
- If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.
- OR for an individual contributor, they develop technical expertise in work area, acting as an advisor where appropriate.
- Will have an impact on the work of related teams within the area.
- Partner with other functions and business areas.
- Takes responsibility for end results of a team’s operational processing and activities.
- Escalate breaches of policies / procedure appropriately.
- Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.
- Advise and influence decision making within own area of expertise.
- Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.
- Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.
- Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
- Make evaluative judgements based on the analysis of factual information, paying attention to detail.
- Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.
- Guide and persuade team members and communicate complex / sensitive information.
- Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.
