Risk Specialist, AS

Overview

Risk Specialist (Associate) in the Global Credit Analytics Function (GCAF), responsible for credit analysis, rating and surveillance of Corporate and Institutional counterparties, with a growing remit covering credit documentation.

What you'll do

• Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs) by identifying business and financial risk, based on understanding of business model, financial statement analysis, cash flow model/forecast and peer analysis.
• Write rating reports and credit reviews/analysis for recommendation to senior members for approval.
• Actively participate in live trades with onshore credit officers (KCP) by understanding trade dynamics, providing recommendations and completing credit write-ups (addendum).
• Monitor and surveil assigned international portfolios, including rating changes, market/industry developments and news events, assessing the impact on counterparty creditworthiness with DB's exposure in mind.
• Understand various banking products (including Trade Finance and Derivatives) and the related credit documentation.
• Support the KCP with appropriate checks and their inclusion in credit reviews.
• Monitor limits and exposure: update limit amendments and credit-relevant data in the credit system, manage exposure monitoring and timely clearance of excess tickets, and monitor covenants with regular discussion with KCPs.
• Manage own credit portfolio and assist senior decision makers with informed recommendations.
• Interface directly with credit officers (KCP) and other stakeholders (business, exposure management, operations teams) to ensure understanding of DB's exposure and timely completion of credit reviews.
• Participate in ad-hoc projects related to portfolio exercises, regulatory developments, sector notes, audit exercises and support onshore KCPs on business strategies.
• Ensure compliance with relevant local and global regulatory and policy requirements.

What you'll need

• Relevant professional qualifications such as MSc / MA / MBA / CA / CFA, etc.
• Relevant work experience in credit underwriting.
• Strong analytical skills, knowledge of financial markets and economic/industry trends.
• Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance.
• Proven ability to leverage AI tools to enhance productivity and optimise workflows to solve business problems, while applying critical judgment to ensure responsible and ethical use of data and AI outputs.

Details

• Location: Mumbai, India.