Role Purpose /n 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. /n /n Key Responsibilities /n /n Credit Risk Assessment & Structuring /n /n

- 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

/n /n /n Portfolio Management & Monitoring /n /n

- 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

/n /n /n Funder-Facing Responsibilities /n /n

- 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

/n /n /n Regional & Cross-Border Expertise /n /n

- Apply strong 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

/n /n /n Stakeholder Engagement & Credit Governance /n /n

- 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

/n /n /n Other Responsibilities /n /n

- Support the onboarding, training and mentoring of current 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