Investec - Where Out of the Ordinary Happens
At Investec, we do things differently. We're a leading international bank and wealth manager built on a culture of curiosity, entrepreneurial spirit and human connection. Ideas are heard, ambition is celebrated, and impact is encouraged. As part of a team that challenges convention and strives for outperformance, you'll help shape bold solutions for clients who expect something more than the ordinary.
Team Description :
The Credit Hub is Investec's credit centre of excellence, based in India (IGSI), providing independent credit support to Private Markets, Private Clients, TRS and Credit across the Group. Its mandate is to protect the books of the desks that we are supporting through proactive portfolio management, early-warning identification and thematic reviews. The Hub delivers across three pillars: Credit Data (reliable, structured data to power credit decisions and portfolio insight); Credit Analysis (independent, high-quality analysis supporting portfolio monitoring, thematic insights and credit decisioning); and Process Transformation (automating and streamlining workflows, including AI tooling, to scale capacity and lift consistency). The Credit Hub operates as one team, underpinned by three key deliverables: quality, timeliness and consistency.
Investec is also establishing a new Corporate Bank, launching in 2026, which the Hub will support. The role will be focused on helping to establish the right processes, as it is expected that increased FTE will be required to build out to circa 1,000 clients over circa five years.
Who are we looking for?
This is a senior, player - leader appointment. We are looking for a highly experienced Credit Analyst with 15+ years of corporate credit analysis and underwriting experience gained within banks. Banking experience is essential - Experience at a UK bank is strongly preferred.
The successful candidate will operate as a player-manager with hands-on credit analysis responsibility and leading, coaching and developing a team of circa 25 FTE across multiple desks. They will bring authoritative credit judgment, the ability to make and defend recommendations at Credit Committee, and a proven track record of people leadership. We are looking for a credible, decisive leader who combines deep technical credit expertise with strong stakeholder management, high attention to detail and the discipline to balance a personal underwriting workload with the development and oversight of their team.
Roles & Responsibilities:
Individual contribution: A senior, hands-on credit underwriter, personally responsible for the end-to-end credit analysis and underwriting of corporate exposures: financial statement and business analysis, cash flow modelling and risk rating, writing and defending credit recommendations at Credit Committee, and managing an assigned portfolio of exposures across its full lifecycle.
Responsibilities include:
Lead end-to-end credit analysis and underwriting of corporate borrowers - financial statement analysis, business and industry assessment, cash flow modelling, risk rating and identification of key credit risks
Prepare, own and present high-quality credit papers and recommendations to Credit Committee, articulating and defending the credit rationale and risk rating
Manage and monitor a portfolio of corporate exposures, including annual reviews, covenant and limit monitoring, early-warning indicators and watchlist / remedial cases
Assess the impact of market trends, competitors, macroeconomic factors and sector-specific dynamics on credit quality and decisions
Help put in place the portfolio-management processes required to support the new Corporate Bank, including the review of management information, annual reviews and corporate lifecycle events
Team leadership - Manages, coaches and develops a team of circa 25 FTE across multiple desks: allocating and reviewing work, acting as first-line reviewer and quality gate for the team's credit submissions, setting and upholding quality standards, building credit capability, and representing the credit team with Coverage / Front office, Risk and other stakeholders.
Responsibilities include:
Lead, manage, coach and develop a team of credit analysts - allocating work, setting quality standards and building credit capability
Set and uphold quality standards across the team's credit submissions and review a representative sample to ensure accuracy, consistency and adherence to credit policy
Drive continuous improvement in credit processes, templates, turnaround and analyst training, and represent the credit team in relevant stakeholder forums
Lead delivery across the Hub's three pillars - Credit Data, Credit Analysis and Process Transformation - building shared standards, reusable templates and a single source of truth, and driving automation / AI integration to scale capacity and consistency
Champion the Hub's protect-the-book mandate through proactive portfolio management, early-warning indicators and thematic portfolio reviews across the desks supported
Core Skills & Knowledge:Key competencies required include:
Deep expertise in corporate credit analysis, underwriting and risk assessment, with 15+ years' experience gained within banks
Strong financial statement analysis, cash flow and financial modelling capability, underpinned by authoritative credit judgment
Proven track record of writing and defending credit papers and recommendations at Credit Committee
Sound knowledge of credit policy, risk-rating frameworks, covenants and portfolio / credit risk management
Demonstrated people-leadership - leading, mentoring, developing and reviewing the work of credit analysts
Excellent written and verbal communication with strong stakeholder management across Front office, Risk and external advisers
Strong organisation and prioritisation - able to balance a personal underwriting workload with team leadership; high attention to detail and a disciplined, policy-led approach.
Educational Background:
Chartered Accountant, MBA (Finance), CFA or equivalent professional qualification preferred.
Exceptional candidates without the above qualifications but with strong, directly relevant banking credit experience may also be considered
Cultural Attributes:
Leads by example and sets high standards
Strong people leader, coach and mentor
Confident and credible with senior stakeholders and Credit Committee
Sound judgment and decisiveness, including under ambiguity
Collaborative team builder who develops talent and builds relationships
Embodies the Hub's core behaviours - ownership, collaboration, innovation and hustle - with a relentless focus on quality, timeliness and consistency
Helpful Experience / Attributes
Experience gained at a UK bank (strongly preferred)
Exposure to syndicated / leveraged lending, sector specialisms or complex / structured credit
Experience operating across the full credit lifecycle - origination, underwriting and portfolio management
As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote. We believe that being together enables us to live our values and support our clients and communities in an extraordinary way.
Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work. You can find a list of our benefits here
Embedded in our culture is a sense of belonging and inclusion. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation. We believe that innovation thrives when everyone feels respected, included, and empowered to contribute.
We actively seek out diverse talent and foster an inclusive environment, encouraging applications from people of all backgrounds and experiences. Here, you'll find networks, benefits, and development opportunities designed to support your career journey, wherever it may lead.
If this role excites you but you don't meet every requirement, we'd still love to hear from you. Your unique perspective and experience could be exactly what we are looking for. Get in touch!
At Investec, we're deeply invested in our clients, our colleagues, and our communities. It's more than a mindset; it's how we show up every day.
Be part of something Out of the Ordinary.
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