Who We Are

At Goldman Sachs, we connect people, capital and ideas to help solve problems for our clients. We are a leading global financial services firm providing investment banking, securities and investment management services to a substantial and diversified client base that includes corporations, financial institutions, governments and individuals.

Divisional Overview The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm. Whether assessing the creditworthiness of the firm’s counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm’s success. The division is ideal for collaborative individuals who have strong ethics and attention to detail.

Department overview

Credit Risk (CR) is responsible for managing the firm’s credit exposure to its trading and lending counterparties. Leveraging its extensive expertise in financial, credit and risk analysis, CR ensures that credit exposure to our counterparts is managed within the firm’s risk appetite. Staffed with more than 300 professionals, CR operates through 11 different offices around the world and credit professionals work closely with many areas of the firm.

Given this structure, CR professionals gain diverse financial experience and a broad perspective on how the entire firm functions. The interaction with numerous departments and the range of projects that ensue allow for a challenging, varied and multi-dimensional work environment.

Credit Research Group

Credit Research Group plays a key role in assessing the credit and financial strength of corporate, financial institution, and sovereign counterparties by performing fundamental credit analysis through writing research reviews (covering both the counterparty and industry in which the counterparty transacts). This team is also responsible for the ongoing surveillance of all corporate/financial institution/sovereign counterparties, assignment of internal credit ratings, and participation in regulatory exams.

RESPONSIBILITIES AND QUALIFICATIONS

Responsibilities

Performing Counterparty Analysis and Risk Management:

- Assess the credit and financial strength of the firm's corporate borrowers and counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
- Review and provide recommendations for loan transactions, determine appetite and regulatory ratings, monitor credit trends in the portfolio, perform distressed analysis and estimate potential impairments
- Analyze the credit implications on corporate clients of various financial transactions including debt, equity and hybrid offerings, mergers and acquisitions, restructuring and share repurchases
- Build and maintain financial projection models




- Present findings and recommendations to senior leadership and answer questions relating to analysis performed
- Monitor counterparties for changes in creditworthiness and take appropriate action
- Perform portfolio-level stress testing and scenario analysis to evaluate the impact of macroeconomic shocks on counterparty creditworthiness and portfolio performance.
- (Good to have) Demonstrated ability to design, test, and refine structured prompts—utilizing prompting techniques to guide Large Language Models (LLMs) in analyzing unstructured data sources, extracting key financial metrics

Other key responsibilities include:
- Working collaboratively with Risk Engineering colleagues to continually identify and solve for operating efficiency

This position description is intended to describe the duties most frequently performed by an individual in this position. It is not intended to be a complete list of assigned duties but to describe a position level. The role shall be performed within a professional office environment. Goldman Sachs has health and safety polices that are available for all workers upon request. There are no specific health risks associate with the role.
- Spreading historical and projected financials in Credit systems and performing analysis including peer comparison to identify and document trends and anomalies necessary in assessing creditworthiness
- Coordinate with global colleagues in GS Risk teams as well as with other divisions
- Support key Risk governance and approval committees

Qualifications

- Minimum Bachelor’s degree in business or finance, Masters preferred
- 1-10 years of experience in a related corporate credit risk role with experience in credit analysis, ratings analysis, corporate finance and/or research desired
- Functional background or relevant experience in finance and accounting
- Highly motivated with solid academic background
- Team player with an ability to work effectively with colleagues in other regional offices
- Flexibility, ability to learn quickly
- Strong organizational skills and the ability to manage multiple assignments concurrently
- Familiarity with regulatory rating requirements and application of such guidance is preferred
- Strong analytical, presentational and communication skills require

ABOUT GOLDMAN SACHS At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.





We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. about our culture, benefits, and people at GS.com/careers.

We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. : https://www.goldmansachs.com/careers/footer/disability-statement.html

We Offer Best-In-Class Benefits

Healthcare & Medical Insurance

We offer a wide range of health and welfare programs that vary depending on office location. These generally include medical, dental, short-term disability, long-term disability, life, accidental death, labor accident and business travel accident insurance.

Holiday & Vacation Policies

We offer competitive vacation policies based on employee level and office location. We promote time off from work to recharge by providing generous vacation entitlements and a minimum of three weeks expected vacation usage each year.

Financial Wellness & Retirement

We assist employees in saving and planning for retirement, offer financial support for higher education, and provide a number of benefits to help employees prepare for the unexpected. We offer live financial education and content on a variety of topics to address the spectrum of employees’ priorities.

Health Services

We offer a medical advocacy service for employees and family members facing critical health situations, and counseling and referral services through the Employee Assistance Program (EAP). We provide Global Medical, Security and Travel Assistance and a Workplace Ergonomics Program. We also offer state-of-the-art on-site health centers in certain offices.

Fitness To encourage employees to live a healthy and active lifestyle, some of our offices feature on-site fitness centers. For eligible employees we typically reimburse fees paid for a fitness club membership or activity (up to a pre-approved amount).

Child Care & Family Care

We offer on-site child care centers that provide full-time and emergency back-up care, as well as mother and baby rooms and homework rooms. In every office, we provide advice and counseling services, expectant parent resources and transitional programs for parents returning from parental leave. Adoption, surrogacy, egg donation and egg retrieval stipends are also available.

Benefits at Goldman Sachs

Read more about the full suite of class-leading benefits our firm has to offer.

Opportunity Overview sitemap_outline

CORPORATE TITLEVice President language

OFFICE LOCATION(S)Bengaluru assignment

JOB FUNCTIONCredit Risk account_balance

DIVISIONRisk Division

📌 Risk - Credit Risk - Vice President - Bengaluru
🏢 Goldman Sachs
📍 Bengaluru