Head Credit Risk Retail and SME
BNP Paribas India Solutions
Sr. Associate/Assistant Manager- Credit Analyst Financial Institutions/Funds
BNP Paribas India Solutions • Mumbai, Maharashtra • via Groupe BNP Paribas
4 days ago
Full–time
Apply on Groupe BNP Paribas
Apply directly on Jobaaj
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Apply on Post Job
Job description
About BNP Paribas Group:
BNP Paribas is a top-ranking bank in Europe with an international profile. It operates in 71 countries and has almost 199 000 employees. The Group ranks highly in its three core areas of activity: Domestic Markets and International Financial Services (whose retail banking networks and financial services are grouped together under Retail Banking Services) and Corporate Institutional Banking, centred on corporate and institutional clients. The Group helps all of its clients (retail, associations, businesses, SMEs, large corporates and institutional) to implement their projects by providing them with services in financing, investment, savings and protection. In its Corporate Institutional Banking and International Financial Services activities, BNP Paribas enjoys leading positions in Europe, a strong presence in the Americas and has a solid and fast-growing network in the Asia/Pacific region.
About BNP Paribas India Solutions:
Established in 2005, BNP Paribas India Solutions is a wholly owned subsidiary of BNP Paribas SA, a leading bank in Europe with an international reach. With delivery centers located in Bengaluru, Chennai and Mumbai, we are a 24x7 global delivery center. India Solutions services three business lines: Corporate and Institutional Banking, Investment Solutions and Retail Banking for BNP Paribas across the Group. Driving innovation and growth, we are harnessing the potential of over 6000 employees, to provide support and develop best-in-class solutions
About Businessline/Function :
Institutional Credit Analyst Team is a domain in the first line of defense in charge of covering all Institutional credit risk profile and related credit approval processes.
In this domain the Credit Team is responsible for completing the credit analysis for financial institutions and funds (including due diligence when necessary).
In particular, the Credit Team ensures that credit analysis and recommendations are provided in due time for Banks, Insurances, Sovereign, Brokers, other non-banks financial institutions, pensions funds, funds, hedge funds, regulated funds, funds of hedge funds, agency arrangements and asset managers.
The Credit Team performs credit analysis and provides credit recommendations on their respective delegation perimeter to Credit Committees, Transaction Approval Committees when the credit opinion on a specific counterparty is required, other RISK entities, Business Units or functions in response to general enquiries, Portfolio review committees.
Job Title:
Credit Analyst
Date:
2024
Department:
FIC ICAT APAC
Location:
Mumbai
Business Line / Function:
FIC ICAT APAC
Reports to:
(Direct)
Team Manager
Grade:
(if applicable)
NA
(Functional)
Number of Direct Reports:
Directorship / Registration:
NA
Position Purpose
The Credit Team guarantees the selection and the follow up of counterparties considered Doubtful, under Watch List or sensitive list, evaluates the accurate level of provisioning, guarantees the quality of credit files and portfolios (notably by complying with regulatory framework e.g. Basel III requirements and including credit policies, rating policies and other Group guidelines), develops local market intelligence by performing desk research (financial statement analysis, monitoring of published research), maintains a network of Industry contacts and performs on site due diligence, guarantees that available local market information and views on risk issues are communicated swiftly and effectively.
The Credit Team is a main partner for the Senior Credit Officers and their “binomes” for the clients covered by the financial institution credit process and is also in permanent interaction with other business lines for uncovered clients
Responsibilities
Mission
·The credit analyst is responsible for completing credit analysis on a portfolio of Financial Institutions and funds to facilitate informed credit decisions.
·Develop in-depth understanding of the groups under the responsibility and develop market intelligence by investigating all available sources of credit and financial information.
·Monitor permanently the portfolio under their responsibility to detect any credit issue requiring a specific review.
·Conduct Annual and interim reviews. Produce in due time and present in Credit Committee a factual summary of client’s credit worthiness (credit proposal), compliant with the Bank’s guidelines. The credit proposal includes a recommendation on the ratings, the limits, the legal credit terms and the risk strategy vis-a-vis the client.
·Develop a good knowledge of the banking environment: capital market products, legal documentations, accounting and regulatory environments.
·Perform portfolio reviews when required.
·Keep abreast of the changing methodologies and credit policies
Interactions with the (clients under coverage)
·Interacts in full transparency with the clients under coverage.
·Attend, when necessary, discussions forum under the leadership of the clients under coverage.
Guarantee
·Guarantee rigorous and synthetic credit risk analysis and recommendation (Annual review, ad hoc, credit notes, comparative analysis)
·Guarantee the application of Bank’s procedures and policies and the consistency of Bank’s ratings
Contribute
·Contribute to the formalisation of the credit decisions in the credit workflow tool
·Contribute to the risk strategy definition by providing recommendation on the risk profile of the counterparty and on specific transactions in relationship with the appropriate stakeholders
·Contribute to the Bank’s reactivity vis-à-vis clients’ expectations by prioritizing urgent requests under their responsibility with manager
·Contribute to the quality of process : use adequately the credit process’ flow and workflow system, maintain critical client data, interact efficiently ahead of credit committee with the various stakeholders of the credit process
·Contribute to the development of policies, reports and risk tools, and to the Credit Process optimization
Interactions with Business Lines (uncovered clients)
·Discuss the requests of Credit limits with the Business Lines
·Provide credit analysis and recommendation in the frame of AR or ad hoc Credit Committee on clients followed by Business Lines
·Work with Business Lines to mitigate risk related to the counterparties
·Ask for Due diligence ‘s meeting or credit review
Technical Behavioral Competencies
·Strong and proven analytical skills
·Adaptability and proactivity, multitasking
·Strong presentation and communication skills (verbal and written)
·Advanced knowledge of Microsoft Office (Word, Excel, PowerPoint)
·Solid knowledge and understanding of banking and financial markets
·Understanding of Corporate Banking and Capital Markets products
·Self-driven and organized
·Rigorous and reliable
Specific Qualifications (if required)
· Master’s Degree/MSc/Master 2 from Business School or University in Banking, Finance, Economics, Risk Management, Financial Markets or other relevant areas
·3 years experience in a similar function
Languages
·English (fluent)
·Additional Asian language would be welcomed
Skills Referential
Behavioural Skills: (Please select up to 4 skills)
Adaptability
Communication skills - oral written
Client focused
Attention to detail / rigor
Transversal Skills: (Please select up to 5 skills)
Analytical Ability
Ability to develop and adapt a process
Choose an item.
Choose an item.
Choose an item.
Education Level:
Master Degree or equivalent
Experience Level
At least 7 years
Other/Specific Qualifications (if required)
Report this listing
BNP Paribas India Solutions
AmbitionBox
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714 reviews
Glassdoor
3.9/5
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Indeed
3.8/5
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Morgan Stanley
Deposits Cash Management BCU, US Banks, Director/AVP, Wealth Management
Morgan Stanley • Mumbai, Maharashtra • via LinkedIn
19 days ago
Full–time
Apply on LinkedIn
Apply on PowerToFly
Apply on Recruit.net
Apply on Jobrapido.com
Apply on Findojobs
Job description
The U.S. Banks- Morgan Stanley Private Bank, National Association (MSPBNA) and Morgan Stanley Bank, N.A. (MSBNA) provide cash management and lending products and services to serve the needs of Wealth Management Institutional clients. The Deposit and Cash Management (DCM) business provides cash management capabilities to clients via deposit and payment products. These products include sweep deposits, savings, checking, CDs, and foreign currency deposits and payments - wires, checks, ACH, etc.
DCM seeks an Assistant Vice President (AVP) to join the DCM Business Control Unit team, supporting the operational risk program for the business. The operational risk program responsibilities include issues and incident management, risk and control assessments, internal/external examination management, metrics development and reporting, and risk review of new products or systems amongst others.
The Deposit and Cash Management BCU AVP will be responsible for the following:.
Key Responsibilities:-
Support the execution of the Deposits Cash Management first line of defense (FLOD) oversight and monitoring program
Assist with documentation of issues and operational risk incidents identified from daily operations, business risk assessments, independent risk testing or internal audit reviews
Confirm thorough action plans are created and documented to mitigate issues and risk incidents impacting the Deposit and Cash Management products and services
Monitor and track issues and action plan remediations are on schedule for closure. Collate and review and remediation artifacts to confirm completeness and adequacy prior to submission for closure
Support the execution and documentation of bank risk and control assessments including Risk and Control Self Assessments, Laws Rules, and Regulations, End User Computing (EUC) Tools, etc.
Coordinate with BU to gather and review documentation and artifacts in response to exam inquiry prior to submission
Support the development of effective management reports, metrics, and KRIs to identify and measure risk across Deposit and Cash Management products and services
Help prepare BCU risk reports and presentations for Management
Document written procedures to ensure consistency and compliance with regulatory and Bank expectations
Skill required:-
Bachelor's/Master's degree in in Accounting, Finance, Economics, or related field is preferred
5-8 years of professional experience in Banking or Financial Services product management, risk, compliance, or internal audit
Experience with process, risk, and control frameworks - e.g., COSO, Basel, etc. is a plus
Knowledge of data analysis tools and reporting platforms to analyze data to inform focus and views on risk is a plus
Demonstrated success working independently, meeting multiple deadlines with a track record of delivering high quality work
Ability to build and maintain professional relationships with key stakeholders/process owners
Experience in working with large data sets and knowledge of SQL, Tableau, PowerBi, VBA, etc. will be a plus Skills/Abilities
Ability to work in a fast-paced, high-demand environment, both independently and as part of a team, under tight deadlines and with the ability to manage multiple priorities concurrently, efficiently, and effectively
Self-starter with attention to detail, strong analytical, quantitative, and investigative problem-solving abilities
Strong interpersonal, verbal, and written communication skills; capable of clear and concise writing, making presentations to an internal audience, and interacting positively with upper management, colleagues, and clients.
Strong project management and reporting skills
Proficient with Microsoft Office products
Excellent relationship building capabilities with internal partners to build consensus and drive solutions
Appreciate encourage diversity of people, ideas perspectives
What You Can Expect From Morgan Stanley
We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren’t just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you’ll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There’s also ample opportunity to move about the business for those who show passion and grit in their work.
To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices into your browser.
Morgan Stanley is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximize their full potential. Our skilled and creative workforce is comprised of individuals drawn from a broad cross section of the global communities in which we operate and who reflect a variety of backgrounds, talents, perspectives, and experiences. Our strong commitment to a culture of inclusion is evident through our constant focus on recruiting, developing, and advancing individuals based on their skills and talents.
Apply Now
Sr. Associate/Assistant Manager- Credit Analyst Financial Institutions/Funds
BNP Paribas India Solutions • Mumbai, Maharashtra • via Groupe BNP Paribas
4 days ago
Full–time
Apply on Groupe BNP Paribas
Apply directly on Jobaaj
Apply directly on JobzMall
Apply on Post Job
Job description
About BNP Paribas Group:
BNP Paribas is a top-ranking bank in Europe with an international profile. It operates in 71 countries and has almost 199 000 employees. The Group ranks highly in its three core areas of activity: Domestic Markets and International Financial Services (whose retail banking networks and financial services are grouped together under Retail Banking Services) and Corporate Institutional Banking, centred on corporate and institutional clients. The Group helps all of its clients (retail, associations, businesses, SMEs, large corporates and institutional) to implement their projects by providing them with services in financing, investment, savings and protection. In its Corporate Institutional Banking and International Financial Services activities, BNP Paribas enjoys leading positions in Europe, a strong presence in the Americas and has a solid and fast-growing network in the Asia/Pacific region.
About BNP Paribas India Solutions:
Established in 2005, BNP Paribas India Solutions is a wholly owned subsidiary of BNP Paribas SA, a leading bank in Europe with an international reach. With delivery centers located in Bengaluru, Chennai and Mumbai, we are a 24x7 global delivery center. India Solutions services three business lines: Corporate and Institutional Banking, Investment Solutions and Retail Banking for BNP Paribas across the Group. Driving innovation and growth, we are harnessing the potential of over 6000 employees, to provide support and develop best-in-class solutions
About Businessline/Function :
Institutional Credit Analyst Team is a domain in the first line of defense in charge of covering all Institutional credit risk profile and related credit approval processes.
In this domain the Credit Team is responsible for completing the credit analysis for financial institutions and funds (including due diligence when necessary).
In particular, the Credit Team ensures that credit analysis and recommendations are provided in due time for Banks, Insurances, Sovereign, Brokers, other non-banks financial institutions, pensions funds, funds, hedge funds, regulated funds, funds of hedge funds, agency arrangements and asset managers.
The Credit Team performs credit analysis and provides credit recommendations on their respective delegation perimeter to Credit Committees, Transaction Approval Committees when the credit opinion on a specific counterparty is required, other RISK entities, Business Units or functions in response to general enquiries, Portfolio review committees.
Job Title:
Credit Analyst
Date:
2024
Department:
FIC ICAT APAC
Location:
Mumbai
Business Line / Function:
FIC ICAT APAC
Reports to:
(Direct)
Team Manager
Grade:
(if applicable)
NA
(Functional)
Number of Direct Reports:
Directorship / Registration:
NA
Position Purpose
The Credit Team guarantees the selection and the follow up of counterparties considered Doubtful, under Watch List or sensitive list, evaluates the accurate level of provisioning, guarantees the quality of credit files and portfolios (notably by complying with regulatory framework e.g. Basel III requirements and including credit policies, rating policies and other Group guidelines), develops local market intelligence by performing desk research (financial statement analysis, monitoring of published research), maintains a network of Industry contacts and performs on site due diligence, guarantees that available local market information and views on risk issues are communicated swiftly and effectively.
The Credit Team is a main partner for the Senior Credit Officers and their “binomes” for the clients covered by the financial institution credit process and is also in permanent interaction with other business lines for uncovered clients
Responsibilities
Mission
·The credit analyst is responsible for completing credit analysis on a portfolio of Financial Institutions and funds to facilitate informed credit decisions.
·Develop in-depth understanding of the groups under the responsibility and develop market intelligence by investigating all available sources of credit and financial information.
·Monitor permanently the portfolio under their responsibility to detect any credit issue requiring a specific review.
·Conduct Annual and interim reviews. Produce in due time and present in Credit Committee a factual summary of client’s credit worthiness (credit proposal), compliant with the Bank’s guidelines. The credit proposal includes a recommendation on the ratings, the limits, the legal credit terms and the risk strategy vis-a-vis the client.
·Develop a good knowledge of the banking environment: capital market products, legal documentations, accounting and regulatory environments.
·Perform portfolio reviews when required.
·Keep abreast of the changing methodologies and credit policies
Interactions with the (clients under coverage)
·Interacts in full transparency with the clients under coverage.
·Attend, when necessary, discussions forum under the leadership of the clients under coverage.
Guarantee
·Guarantee rigorous and synthetic credit risk analysis and recommendation (Annual review, ad hoc, credit notes, comparative analysis)
·Guarantee the application of Bank’s procedures and policies and the consistency of Bank’s ratings
Contribute
·Contribute to the formalisation of the credit decisions in the credit workflow tool
·Contribute to the risk strategy definition by providing recommendation on the risk profile of the counterparty and on specific transactions in relationship with the appropriate stakeholders
·Contribute to the Bank’s reactivity vis-à-vis clients’ expectations by prioritizing urgent requests under their responsibility with manager
·Contribute to the quality of process : use adequately the credit process’ flow and workflow system, maintain critical client data, interact efficiently ahead of credit committee with the various stakeholders of the credit process
·Contribute to the development of policies, reports and risk tools, and to the Credit Process optimization
Interactions with Business Lines (uncovered clients)
·Discuss the requests of Credit limits with the Business Lines
·Provide credit analysis and recommendation in the frame of AR or ad hoc Credit Committee on clients followed by Business Lines
·Work with Business Lines to mitigate risk related to the counterparties
·Ask for Due diligence ‘s meeting or credit review
Technical Behavioral Competencies
·Strong and proven analytical skills
·Adaptability and proactivity, multitasking
·Strong presentation and communication skills (verbal and written)
·Advanced knowledge of Microsoft Office (Word, Excel, PowerPoint)
·Solid knowledge and understanding of banking and financial markets
·Understanding of Corporate Banking and Capital Markets products
·Self-driven and organized
·Rigorous and reliable
Specific Qualifications (if required)
· Master’s Degree/MSc/Master 2 from Business School or University in Banking, Finance, Economics, Risk Management, Financial Markets or other relevant areas
·3 years experience in a similar function
Languages
·English (fluent)
·Additional Asian language would be welcomed
Skills Referential
Behavioural Skills: (Please select up to 4 skills)
Adaptability
Communication skills - oral written
Client focused
Attention to detail / rigor
Transversal Skills: (Please select up to 5 skills)
Analytical Ability
Ability to develop and adapt a process
Choose an item.
Choose an item.
Choose an item.
Education Level:
Master Degree or equivalent
Experience Level
At least 7 years
Other/Specific Qualifications (if required)
Report this listing
BNP Paribas India Solutions
AmbitionBox
3.8/5
714 reviews
Glassdoor
3.9/5
18.7K reviews
Indeed
3.8/5
5K reviews
indiasolutions.bnpparibas.co.in
More jobs at BNP Paribas India Solutions
See web results for BNP Paribas India Solutions
Morgan Stanley
Deposits Cash Management BCU, US Banks, Director/AVP, Wealth Management
Morgan Stanley • Mumbai, Maharashtra • via LinkedIn
19 days ago
Full–time
Apply on LinkedIn
Apply on PowerToFly
Apply on Recruit.net
Apply on Jobrapido.com
Apply on Findojobs
Job description
The U.S. Banks- Morgan Stanley Private Bank, National Association (MSPBNA) and Morgan Stanley Bank, N.A. (MSBNA) provide cash management and lending products and services to serve the needs of Wealth Management Institutional clients. The Deposit and Cash Management (DCM) business provides cash management capabilities to clients via deposit and payment products. These products include sweep deposits, savings, checking, CDs, and foreign currency deposits and payments - wires, checks, ACH, etc.
DCM seeks an Assistant Vice President (AVP) to join the DCM Business Control Unit team, supporting the operational risk program for the business. The operational risk program responsibilities include issues and incident management, risk and control assessments, internal/external examination management, metrics development and reporting, and risk review of new products or systems amongst others.
The Deposit and Cash Management BCU AVP will be responsible for the following:.
Key Responsibilities:-
Support the execution of the Deposits Cash Management first line of defense (FLOD) oversight and monitoring program
Assist with documentation of issues and operational risk incidents identified from daily operations, business risk assessments, independent risk testing or internal audit reviews
Confirm thorough action plans are created and documented to mitigate issues and risk incidents impacting the Deposit and Cash Management products and services
Monitor and track issues and action plan remediations are on schedule for closure. Collate and review and remediation artifacts to confirm completeness and adequacy prior to submission for closure
Support the execution and documentation of bank risk and control assessments including Risk and Control Self Assessments, Laws Rules, and Regulations, End User Computing (EUC) Tools, etc.
Coordinate with BU to gather and review documentation and artifacts in response to exam inquiry prior to submission
Support the development of effective management reports, metrics, and KRIs to identify and measure risk across Deposit and Cash Management products and services
Help prepare BCU risk reports and presentations for Management
Document written procedures to ensure consistency and compliance with regulatory and Bank expectations
Skill required:-
Bachelor's/Master's degree in in Accounting, Finance, Economics, or related field is preferred
5-8 years of professional experience in Banking or Financial Services product management, risk, compliance, or internal audit
Experience with process, risk, and control frameworks - e.g., COSO, Basel, etc. is a plus
Knowledge of data analysis tools and reporting platforms to analyze data to inform focus and views on risk is a plus
Demonstrated success working independently, meeting multiple deadlines with a track record of delivering high quality work
Ability to build and maintain professional relationships with key stakeholders/process owners
Experience in working with large data sets and knowledge of SQL, Tableau, PowerBi, VBA, etc. will be a plus Skills/Abilities
Ability to work in a fast-paced, high-demand environment, both independently and as part of a team, under tight deadlines and with the ability to manage multiple priorities concurrently, efficiently, and effectively
Self-starter with attention to detail, strong analytical, quantitative, and investigative problem-solving abilities
Strong interpersonal, verbal, and written communication skills; capable of clear and concise writing, making presentations to an internal audience, and interacting positively with upper management, colleagues, and clients.
Strong project management and reporting skills
Proficient with Microsoft Office products
Excellent relationship building capabilities with internal partners to build consensus and drive solutions
Appreciate encourage diversity of people, ideas perspectives
What You Can Expect From Morgan Stanley
We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren’t just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you’ll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There’s also ample opportunity to move about the business for those who show passion and grit in their work.
To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices into your browser.
Morgan Stanley is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximize their full potential. Our skilled and creative workforce is comprised of individuals drawn from a broad cross section of the global communities in which we operate and who reflect a variety of backgrounds, talents, perspectives, and experiences. Our strong commitment to a culture of inclusion is evident through our constant focus on recruiting, developing, and advancing individuals based on their skills and talents.