Job Description

Credit Risk Officer
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Job ID: R0337121 Full/Part-Time: Full-time


Regular/Temporary: Regular Listed: 2024-07-05


Location: Mumbai


Position Overview
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In Scope of Position based Promotions (INTERNAL only)

Job Title: Credit Risk Officer

Location: Mumbai

Role Description

Associate / AVP within the Credit Risk Management with responsibilities of managing a portfolio comprising of Corporates, Banks, CRE, Leveraged & Structured finance counterparties Mutual Funds etc. This involves rating, credit analysis and monitoring of the portfolio.


About Credit Risk Management Function

Credit Risk is a centralised risk-type function within the CRO function. The team is primarily responsible for setting limits and providing credit approvals for single name credit risk, as well as monitoring and managing against these in the context of the bank's Enterprise Risk Management framework.


Credit Risk enables CRO to strengthen, enhance and improve control of the bank's credit risk. The team provides deep technical expertise to the business aligned risk functions and facilitates strategic business decision-making to improve overall use of the bank's capital.


What we will offer you

A healthy, engaged and well-supported workforce are better equipped to do their best work and, more importantly, enjoy their lives inside and outside the workplace. That's why we are committed to providing an environment with your development and wellbeing at its center.


You can expect :


• Best in class leave policy
• Gender neutral parental leaves
• 100% reimbursement under childcare assistance benefit (gender neutral)
• Sponsorship for Industry relevant certifications and education
• Employee Assistance Program for you and your family members
• Comprehensive Hospitalization Insurance for you and your dependents
• Accident and Term life Insurance
• Complementary Health screening for 35 yrs. and above

Your key responsibilities

• Credit Officer responsible for reviewing, recommending and approving transactions across business units and wide spectrum of products.
• Rating of counterparties across various asset classes such as Corporates, Leveraged Lending, CRE, Project Finance.
• Writing Credit Reports, assigning internal Credit Rating for clients, based on industry, business and financial analysis, including projections
• Monitoring performance of companies & sectors on real-time basis, making suitable changes in ratings / limits to reflect any changes in risk level
• Support business units in driving strategy to drive optimum risk / return and in line with overall portfolio strategy and risk appetite.
• Maintain DB's high underwriting standards and drive resolution with business units and key stakeholders.
• Liaise with clients, interface directly with front office staff and other CRM units on credit approvals, credit requirements and relationship matters
• Perform portfolio reviews to ensure risk are proactively assessed and managed.
• Drive audit and regulatory agenda as required.

Your skills and experience

• Experience of 5-6 years in credit risk management in wholesale banking from reputed financial house, including analysis, approval / recommendation of transactions and portfolio responsibilities
• Basic understanding of key products - financings, trade finance and global markets (fx/rates/commodities)
• Strong technical & analytic skills, risk judgment.
• Strong written and verbal communication skills
• Ability to build strong relationships internally with divisional clients locally & globally, as well as internal stakeholders
• Educated to Bachelor's degree level or equivalent qualification/relevant work experience. A related degree ideally coupled with a Risk Management qualification.

How we'll support you:

• Flexible working to assist you balance your personal priorities
• Coaching and support from experts in your team
• A culture of continuous learning to aid progression
• A range of flexible benefits that you can tailor to suit your needs
• Training and development to help you excel in your career

About us and our teams

Please visit our company website for further information:


https://www.db.com/company/company.htm

Our values define the working environment we strive to create - diverse, supportive and welcoming of different views. We embrace a culture reflecting a variety of perspectives, insights and backgrounds to drive innovation. We build talented and diverse teams to drive business results and encourage our people to develop to their full potential. Talk to us about flexible work arrangements and other initiatives we offer.


We promote good working relationships and encourage high standards of conduct and work performance. We welcome applications from talented people from all cultures, countries, races, genders, sexual orientations, disabilities, beliefs and generations and are committed to providing a working environment free from harassment, discrimination and retaliation.




Visit Inside Deutsche Bank to discover more about the culture of Deutsche Bank including Diversity, Equity & Inclusion, Leadership, Learning, Future of Work and more besides.