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Requisition Number: 54860
Job Location: Bangalore, IND
Global Grade: Band 7
Work Type: Office Working
Employment Type: Permanent
Posting Start Date: 26/06/2026
Posting End Date: 28/06/2026
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Job Summary
Credit & Client Risk Management (“CCR”) is an integral part of the CCIB. The CCR mandate is to deliver best in class credit analysis, monitoring and credit administration work to Stakeholder This role is primarily responsible for processing / verifying financials received from customers in line with the Bank’s requirement.
The team extracts information from customer’s financial statement to support credit assessment and portfolio management performed by frontline. The financial figures obtained from the customer Annual Reports / Interim financial statements are input into credit lens system to calculate key financial performance indicators which will enable in lending decisions.
Individual must ensure customers financial data is accurately recorded in credit lens system, assist in making correct lending decisions, to identify risks that may increase the bank’s exposure.
Key Responsibilities
This role is primarily responsible for processing / verifying financials received from customers in line with the Bank’s requirement.
The team extracts information from customer’s financial statement to support credit assessment and portfolio management performed by frontline.
The financial figures obtained from the customer Annual Reports / Interim financial statements are input into credit lens system to calculate key financial performance indicators which will enable in lending decisions.
Strategy
Inline with CCIB and Group Strategy.
Business
Support the CCIB Client Coverage team for Credit Analysis and other Client Risk activities.
Processes
Analysing and spreading the financial statements on credit lens.
Going through the supplementary schedules, notes and MD&A for the detailed breakups and adjustments.
Normalizing the financial statements for exceptional and non-recurring items to arrive at the true profitability figures.
Meeting strict deadlines and ability to work under pressure.
Ability to work individually and in the team
Strong organizational, communication (verbal & written) and interpersonal skills are required.
Candidate must have the ability to quickly transition as priorities change to meet demands.
Participate in process improvement initiative of the team.
People & Talent
Lead through example and build the appropriate culture and values in respective team.
Set appropriate tone and expectations from their team and work in collaboration with stakeholder.
Ability to apply sound judgement with critical thinking skills
Ability to independently drive initiatives with minimum hands-on supervision and collaborate with other resources in the team to deliver for the task
Regulatory & Business Conduct
Display exemplary conduct and live by the Group’s Values and Code of Conduct .
Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
Key stakeholders
In country Credit Analysis team
Other Responsibilities
Embed Here for good and Group’s brand and values;
Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures;
Multiple functions (double hats); [List all responsibilities associated with the role]
Functional
Good conceptual knowledge on accounting fundamentals.
Good knowledge on financial statement.
Good understanding of rating methodologies
Behavioural
Result Orientation
Client Focus
Contribution to Strategy
Cooperation
Skills and Experience
Analytical Skill, including an understanding of key financial components with the ability to identify root causes and trends.
Knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
Written and Verbal communication skill with the ability to communicate clearly and concisely to audiences
Proficient Microsoft Office (Word, Excel and PowerPoint) skill
Qualifications
Bachelor’s/Master’s degree in Business/Finance/Accounting and/or professional certifications such as: CA/CFA/CPA or equivalent
International CFA or equivalent
MBA (Finance) from reputed institutes
Relevant experience in financial statement spreading
Education certifications or qualifications are not mandatory if proven track record and sound knowledge gained by considerable experience in similar roles in other Banks or financial institutions or credit rating organisations.
Advance understanding of various company filings (10K, annual reports, solvency reports).
Ability to hold dialogues with clients and external stakeholders as well as internally across all levels.
Ability to deal with competing demands and multiple priorities within strict timelines.
Proven ability to operate across cultures and within a diverse workforce
Ability to working in dynamic environment with a robust transformation agenda
Excellent oral & written communication and presentation skills
About Standard Chartered
What we offer
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