Qualifications, Certifications and Education

Must-have:

- CA or Bachelor’s/master’s degree in finance, Accounting, Economics, or a related field
- 4-7 years of experience in one or more of the following areas: wholesale credit underwriting, credit risk management, loan review, credit quality assurance, or internal audit/assurance covering credit processes
- Strong understanding of end-to-end wholesale credit risk lifecycle, including underwriting, monitoring, and credit risk governance (policies, standards, and process adherence)
- Solid knowledge of risk management and control frameworks relating to corporate or counterparty credit risk; exposure to problem credit assessment and risk mitigation is an added advantage
- Ability to evaluate credit processes and control design, identify quality gaps, and assess effectiveness of controls within a QA or review function




- Proven capability to review and challenge credit work products, including credit analysis, underwriting rationale, risk identification, and monitoring approach, with explicit documentation of QA conclusions
- Strong written communication skills, with the ability to produce structured QA reports and articulate thematic insights for senior stakeholders
- Demonstrated experience in cross-functional collaboration, working effectively with 1LoD/2LoD teams and stakeholders to drive issue resolution and continuous improvement
- Awareness of emerging AI/ML methodologies and their use in credit risk management, QA review, and workflow automation.
- Basic AI knowledge, excellent communication, analytical thinking, and problemsolving skills

📌 CREDIT RISK MGMT - SENIOR (Mumbai)
🏢 EY
📍 Mumbai