Credit Risk Analyst

OVERVIEW

KPMG entities in India are professional services firm(s). Member firms are affiliated with KPMG International Limited. KPMG was established in India in August 1993. Our professionals leverage the global network of firms, and are conversant with local laws, regulations, markets and competition. KPMG has offices across India in Ahmedabad, Bengaluru, Chandigarh, Chennai, Gurugram, Jaipur, Hyderabad, Jaipur, Kochi, Kolkata, Mumbai, Noida, Pune, Vadodara and Vijayawada.

KPMG entities in India offer services to and international clients in India across sectors. We strive to provide rapid, performance-based, industry-focused and technology-enabled services, which reflect a shared knowledge of global and local industries and our experience of the business environment.

Why Choose KPMG India?

Dynamic Work Environment : Be a part of an innovative team that values creativity and fresh ideas.

Growth Opportunities : We provide excellent training, mentorship, and career advancement.

Attractive Benefits : Competitive salaries, health insurance, and more!️

Key Responsibilities

Responsible for the delivery of BCO tasks in line with agreed OKRs, SLAs and KPIs for own portfolio of clients. Please note a commensurate portolio comprising of moderate to high complexity of clients will have to be managed by the successful candidate which could amount to 30% of available time.

Lead and manage the end-to-end CCM journey, ensuring a seamless and efficient process for customers and internal stakeholders.

BCO Regional Heads, WMR and other key stakeholders where necessary to ensure successful completion of key Optimization and Transformation initiatives

Manage a team comprising primarily of ODC resources for setting up the team, and manage their workflow, training & development to deliver the BCO model satisfactorily within agreed timelines

Continuously drive improvement in productivity of the BCO team whilst enhancing client experience.

Drive adoption of technology / digital and customer experience improvement initiatives, including alignment to a globally consistent C&L operating model.

Monitor and analyze customer and stakeholder feedback, identifying key areas of focus to improve customer outcomes.

Work with the Head of BCO COE to ensure risks and issues related to CCM are escalated to country, regional and global stakeholders and resolved in a satisfactory manner.

Closely work with the senior management team and Regional Sustainability Champions to drive various activities as part of the Group's transition to Net Zero along with implementing various strategic initiatives across BCO teams.

Drive continuous improvement initiatives across credit analysis activities to deliver a high and consistent standard.

Ability to build and maintain strong relationships across the teams, including credibility with both Business and Risk teams.

Develop and maintain a diverse, innovation-driven BCO team, ensuring high levels of engagement and satisfaction

Participate in deal discussions and meetings with clients or credit risk as required.

Protect the Bank by acting as First Line of Defense and observing all controls.

Identifies and anticipates all types of risks (e.G., industry, portfolio, diversification, sovereign, commercial, currency, etc.) and identify micro and macro trends impacting the credit portfolio, working with WCRM and business heads to take appropriate steps in changes to underwriting criteria and conducting rapid portfolio reviews.

Demonstrates ability to engage in constructive and consistent dialogue with risk partners, in a manner that effectively balances commercial outcomes and risk management

Work with the Head of BCO to ensure adequate credit risk management controls are built into the operational process and robust MI is in place to track and measure risk against agreed thresholds

Responsible for talent management, performance management & succession planning as applicable.

Effectively coordinate with all other USA co-leads to deliver the CCM / BCO objectives smoothly.

To regularly host exchanges for the team and ensure necessary action plans are designed and executed for resolution.

Foster a culture of compliance amongst the BCO team members as regards Group Compliance Policy.

Knowledge and Experience

Chartered Accountants / master’s in business, Finance, Economics or equivalent is essential and any professional qualification (i.E. CFA, Chartered Banker) is desirable. If none, tenured experiences in credit analysis and / or credit approvals will be considered.

strong background in managing loan portfolios.

Proven track record in leading and managing senior stakeholders, with experience in organizational design and strategic planning.

Knowledge of Investment Banking is mandatory, such as Securities, Treasury, Foreign Exchange, Derivatives, ESG and Climate risk.

Strong stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior stakeholders.

Expertise in credit risk management and control assessment

Excellent analytical and problem-solving skills, with the ability to articulate customer feedback and distil key areas of focus.

Demonstrated expertise in credit underwriting , including preparation and review of credit proposals for wholesale lending, ensuring strict adherence to internal credit policies and regulatory requirements.

Proficient in structuring and preparation of credit proposals , including business model, risks and mitigants, financial analysis, industry analysis, forecasting / cash flow modelling, assigning risk ratings, and providing business recommendations aligned with business objectives.

Strong capability in financial statement analysis , cash flow modeling, and conducting stress tests to support informed credit decisions.

Experienced in monitoring and managing credit exposure across diverse portfolios, with a proven ability to implement effective risk mitigation strategies.

SELECTION PROCESS

Candidates should expect 2 - 3 rounds of personal or telephonic interviews to assess fitment and communication skills

Good communication skills, analytical and presentation skills are mandatory for the above skill set.

Looking for selected candidates to join within 30 to 45 days or an immediate joiner.

The opportunity is now! If you are interested in being part of a dynamic team, serving clients and reaching your full potential – KPMG Advisory Services is for you!