As a Consultant Expert - Credit Analyst (IC role) in the GLBA/CPM Team, the incumbent is responsible for credit analysis and management of the assigned portfolio and associated credit related tasks:

- Preparing credit applications / annual reviews of counterparties to assess their credit quality, recommending appropriate credit limits, obligor rating, terms and conditions that address client credit risk and transaction risk.
- Assure Annual Reviews and obligor risk ratings of assigned portfolio are done within prescribed timelines.
- Assure post approval activities and other credit related tasks are completed on time, and update trackers / onshore folders on a real time basis.
- Interact regularly with onshore stakeholders on deliverables and timelines and deliver as per expectations.
- Reviewing all relevant legal documentation (i.e. credit agreements, Guaranty, ISDA, CSA) and proposing changes as necessary to comply with SG policies.




- Ensure compliance with all applicable regulatory requirements and credit policies for the portfolios assigned.
- Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality including monitoring covenants and watch list triggers.
- Participate in transformation and process improvement/automation initiatives in the team and contribute towards building/updating SOPs and training materials
- Assist Team Lead in managing workload along with training new joiners and reviewing credit files of junior analysts in the team.
- Be proactive to take up adhoc and complex assignments while not impacting the scheduled annual reviews.
- Help and support current joiners and assist them to come-up the learning curve in credit / transaction assessment, and in developing their understanding of various SG tools, systems and policies.

📌 Lead Credit Analyst - Corporates (Bengaluru)
🏢 Société Générale
📍 Bengaluru