Greetings from TCS!

We are looking for experienced professionals with robust expertise in Annual Credit Review (ACR) and Credit Underwriting within the Banking and Financial Services domain. The role involves conducting independent credit assessments, financial analysis, portfolio reviews, and risk evaluations to support effective credit risk management.

ROLE: Model Risk Management: Annual Credit Review (ACR) and Credit Underwriting

? Location: Pan India

? Experience: 5-15 Years

Key Responsibilities

- Conduct Annual Credit Reviews (ACR) for commercial and corporate lending portfolios.
- Perform detailed financial statement analysis and credit risk assessments.
- Evaluate borrower creditworthiness, repayment capacity, and overall risk exposure.
- Review underwriting decisions and ensure compliance with established credit policies.
- Assess collateral structures, covenant compliance, and portfolio risk indicators.
- Identify emerging credit risks and recommend appropriate mitigation measures.




- Prepare credit review reports and present findings to stakeholders.
- Collaborate with Risk Management, Credit Risk, Underwriting, and Business teams.
- Support governance, audit, and regulatory requirements related to credit risk management.

Required Skills
- Annual Credit Review (ACR)
- Credit Underwriting
- Credit Risk Analysis
- Credit Appraisal
- Financial Statement Analysis
- Commercial / Corporate Banking
- Portfolio Risk Assessment
- Lending & Credit Evaluation

Preferred Skills
- Wholesale Banking
- Portfolio Risk Management
- Credit Policy Review
- Risk Rating Methodologies
- Basel Framework

Qualifications
- Full-time Bachelor's Degree in Finance, Commerce, Economics, Business Administration, Engineering, or related discipline.
- MBA Finance / CA / CFA / FRM or equivalent qualification preferred.

📌 Model Risk Management | Annual Credit Review (ACR) | Credit Underwriting (Bengaluru)
🏢 Tata Consultancy Services
📍 Bengaluru