Role Purpose 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 robust emphasis on engagement with external funders to ensure transactions, portfolios, and structures meet both internal credit standards and funder requirements.

Key Responsibilities

Credit Risk Assessment &

- Structuring

Prepare clear, well-structured credit submissions for new and existing transactions

Assess customer, guarantor, and group credit risk, including cross-border group structures

Evaluate collateral and other risk mitigants, taking into account jurisdictional, legal, and enforceability considerations

Provide sound risk recommendations, including credit grading, approval conditions, structure considerations, and monitoring requirements

Review transaction structures to ensure alignment with internal credit standards and external funding requirements

Assess multi-currency exposures, guarantees, and structural risks associated with regional and cross-border transactions

Portfolio Management &

- Monitoring

Manage and review a portfolio of asset finance and leasing exposures across APAC

Conduct annual reviews and event-driven credit reassessments

Identify emerging risks and early warning indicators, and recommend proactive mitigation strategies

Monitor portfolio trends, sector developments, and customer performance to support timely risk management actions

Funder-Facing Responsibilities

Act as a key credit contact for external funding partners

Support various funding structures, including:

Sale of receivables





Structured and secured funding arrangements

Prepare funder-facing credit materials, including:

Term sheets

Credit summaries and portfolio reports

Transaction-specific risk analyses

Responses to funder due diligence, credit questions, and information requests

Ensure alignment between internal credit approvals and funder credit criteria, covenants, and reporting obligations

Support ongoing funder monitoring and reporting requirements as required

Regional &

- Cross-Border Expertise

Apply strong understanding of Asian market asset finance and credit markets, including:

Local business practices

Regulatory and legal environments

Practical considerations relating to security, enforcement, and recoveries

Support business expansion into new APAC countries through credit assessment and market understanding

Contribute insight into local commercial practices, customer risk profiles, and structural considerations

Experience in Australia, New Zealand, and Singapore is viewed favourably, but is not essential

Stakeholder Engagement &

- Credit Governance

Partner closely with Sales, Operations, Treasury, Legal, and other teams across the transaction lifecycle

Engage with customers as required to clarify financial performance, business models, ownership structures, and transaction details

Contribute to credit policy interpretation, enhancement, and governance initiatives

Provide guidance and informal mentoring to junior credit analysts

Support consistent and disciplined credit governance across multiple jurisdictions

Other Responsibilities

Support the onboarding, training and mentoring of new staff members.

Contribute to team tasks, projects and ad hoc initiatives as required.

Provide flexible support for broader team needs and other duties as required.

📌 Senior Credit Analyst (Mumbai)
🏢 CHG-MERIDIAN
📍 Mumbai