Job Description

:In Scope of Position based Promotions (INTERNAL only)Job Title: Risk Senior SpecialistCorporate Title: AVPLocation: Mumbai, IndiaRole Description

• This role provides analysis of risks for a specific risk type (e.g. Credit, Market, Liquidity, Operational) and independently assesses material risks and/or key controls (as required), providing challenge where needed. They monitor risk exposures and performance or key risk metrics, using and reviewing the risk type methodologies and supporting development of these where appropriate. Role holders also support decision-making and approvals around risks and preparation of key risk documentation and reports. For Credit Risk: determines risk / return ratio and associated limit framework on client level lean risk transactions and assigns / approves credit ratings makes decisions and approvals based on their allocated authority level. Portfolio Monitoring and review is very important for this role.
• The position is within the Risk Management, Wealth Management function of the International Private Bank in Deutsche Bank, catering to India-based High / Ultra High Net Worth clientele of the Bank. Transactions are typically secured against securities (liquid and/or non liquid), real estate (residential / commercial), Loans against shares and other similar collateral.]. The reporting line does not currently include line manager responsibilities, and reports into a team head.

What we\xe2\x80\x99ll offer youAs part of our flexible scheme, here are just some of the benefits that you\xe2\x80\x99ll enjoy,

• 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

• Manage and monitor a portfolio of credit-relevant clients including periodic rating and credit reviews .
• Analysis of risk across the spectrum of private banking products (cash, Working capital / term loans, derivatives/ Lease Rental discounting / CRE / RRE / LAS) and securities \xe2\x80\x93 fixed income, equities, bonds, debt funds, etc) from transactional approval to counterparty portfolio assessment
• Analyze, document and credit approve/co-approve (under four-eye principle) for both flow and structured transactions across all products in the IPB product suite and seek to independently challenge / strengthen proposed structures where appropriate
• Work closely with the front office Lending team and other stake holders to support the growth of WM\xe2\x80\x99s lending book by managing the risk on a portfolio of private banking counterparties in India / APAC
• Liaise with clients, interface directly with front office staff across the WM business division on credit approvals, credit requirements and relationship matter. Transparent communication of decision making inc. risk analysis, approval conditions.
• Analyse global, regional and local market events and their impact on the portfolio of counterparties managed. Perform credit monitoring on regular basis; handle daily monitoring shortfalls; undertake proactive portfolio risk management to ensure risks are managed within the risk framework. Liaising with the Lending team to ensure loan covenants, approval conditions, collateral revaluation cycles are being adhered to.
• Participate in ad hoc projects, portfolio deep dives and reporting / reviews in support of regional risk governance. Support senior management / regional team in portfolio review work and any other reporting requirements.
• Ensure risk controls are complied with; and support the Risk team in system implementation (when required) and in provision of credit data for internal/external audit review, regional/global reviews, various global risk related requests/ submissions.
• Ensure active participation in Local reporting / audit / regulatory work \xe2\x80\x93 in coordination with lending and other stakeholders, as needed. Knowledge of local regulations for India is preferred.

Your skills and experienceAnalytical / Technical skills

• Ability to identify transaction risks both at a borrower and also collateral level (predominantly in loans but also in derivatives), including due to correlation, concentration, documentation, valuations.
• Proficiency in analysing financial statements of Corporates / PICs / Individuals. Advanced knowledge of analysing corporate financial statements, preparing financial spreads / forecasts and assessing credit profile / rating. Experience with a credit authority in a Corporate Credit segment is a strong advantage
• Ability to critique proposed loan structures and work to improve the structure proactively
• An appreciation of cross border / jurisdiction risks
• Experience in high value real estate financing and loan against shares with relevant risk / regulatory / product considerations.
• Familiar with regional/international financial markets Familiar with legal documentation and risk issues, and credit mitigating features

Personal Attributes

• Degree qualified
• Self-starter, organized, comfortable in navigating complex and fast paced environments
• Good knowledge / appreciation of risk governance / processes in a banking environment
• Requirement for strong comfort in analysing corporate financial statements, preparing financial spreads / forecasts and assessing credit profile / rating
• Regional (India)counterparty experience preferred; along with knowledge on local Banking regulations
• Minimum 4-5 years\xe2\x80\x99 experience in a credit officer role with approving authority in a Wealth Management or Corporate/Institutional Bank setting (or similar experience in a front office role)
• Experience with a credit authority in a Corporate Credit segment is a strong advantage
• Strong communicator (both written and verbal skills) with an ability to write concise reports. And manage stakeholders (across front office staff / other stakeholders, both locally and in overseas locations).
• Ability to work under pressure and deadlines;
• Strong analytical skills and an independent decision-maker with ability to support conclusions
• Team oriented, flexible, diligent, self-motivated. Good team player
• Ability to work effectively with wide range of cultures / personal styles

How we\xe2\x80\x99ll support you

• Training and development to help you excel in your career.
• 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.

About us and our teamsPlease visit our company website for further information:Our values define the working environment we strive to create \xe2\x80\x93 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 to discover more about the culture of Deutsche Bank including Diversity, Equity & Inclusion, Leadership, Learning, Future of Work and more besides.

Deutsche Bank