Job Description

Role Purpose

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The Senior Credit Analyst is responsible for independent credit assessment and ongoing risk management of asset finance and leasing exposures across a diverse portfolio of customers in APAC. The role supports origination, portfolio management, and funding activities, with a strong emphasis on engagement with external funders to ensure transactions, portfolios, and structures meet both internal credit standards and funder requirements.

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Key Responsibilities

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Credit Risk Assessment & Structuring

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- Prepare clear, well-structured credit submissions for new and existing transactions
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- Assess customer, guarantor, and group credit risk, including cross-border group structures
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- Evaluate collateral and other risk mitigants, taking into account jurisdictional, legal, and enforceability considerations
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- Provide sound risk recommendations, including credit grading, approval conditions, structure considerations, and monitoring requirements
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- Review transaction structures to ensure alignment with internal credit standards and external funding requirements
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- Assess multi-currency exposures, guarantees, and structural risks associated with regional and cross-border transactions
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Portfolio Management & Monitoring

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- Manage and review a portfolio of asset finance and leasing exposures across APAC
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- Conduct annual reviews and event-driven credit reassessments
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- Identify emerging risks and early warning indicators, and recommend proactive mitigation strategies
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- Monitor portfolio trends, sector developments, and customer performance to support timely risk management actions
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Funder-Facing Responsibilities

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- Act as a key credit contact for external funding partners
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- Support various funding structures, including:
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- Sale of receivables
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- Structured and secured funding arrangements
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- Prepare funder-facing credit materials, including:
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- Term sheets
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- Credit summaries and portfolio reports
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- Transaction-specific risk analyses
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- Responses to funder due diligence, credit questions, and information requests
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- Ensure alignment between internal credit approvals and funder credit criteria, covenants, and reporting obligations
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- Support ongoing funder monitoring and reporting requirements as required
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Regional & Cross-Border Expertise

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- Apply solid understanding of Asian market asset finance and credit markets, including:
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- Local business practices
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- Regulatory and legal environments
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- Practical considerations relating to security, enforcement, and recoveries
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- Support business expansion into new APAC countries through credit assessment and market understanding
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- Contribute insight into local commercial practices, customer risk profiles, and structural considerations
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- Experience in Australia, New Zealand, and Singapore is viewed favourably, but is not essential
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Stakeholder Engagement & Credit Governance

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- Partner closely with Sales, Operations, Treasury, Legal, and other teams across the transaction lifecycle
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- Engage with customers as required to clarify financial performance, business models, ownership structures, and transaction details
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- Contribute to credit policy interpretation, enhancement, and governance initiatives
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- Provide guidance and informal mentoring to junior credit analysts
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- Support consistent and disciplined credit governance across multiple jurisdictions
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Other Responsibilities

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- Support the onboarding, training and mentoring of new staff members.
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- Contribute to team tasks, projects and ad hoc initiatives as required.
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- Provide flexible support for broader team needs and other duties as required.
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📌 Senior Credit Analyst (Mumbai)
🏢 CHG-MERIDIAN
📍 Mumbai