Senior Credit Analyst - Banks

Permanent contract|Bangalore|Asset Management

Senior Credit Analyst - Banks

Bangalore, India Permanent contract Asset Management


GLOBAL BANKING AND ADVISORY (GLBA) / Credit Management Group – Financial Institutions (GLBA/CRE/FIG). The team provide credit analysis and manage the credit relationship with clients of the Financial Institution Group and Global Markets sectors. This position has a focus on banks, broker-dealers, FMIs, and supra-nationals located in EMEA.  GLOBAL BANKING AND ADVISORY (GLBA) / Credit Management Group – Financial Institutions (GLBA/CRE/FIG). The team provide credit analysis and manage the credit relationship with clients of the Financial Institution Group and Global Markets sectors. This position has a focus on banks, broker-dealers, FMIs, and supra-nationals located in EMEA. 


The individual will be responsible for credit analysis of existing or new financial institution clients/counterparties. Day-to-day responsibilities include:

  • Assess the creditworthiness of counterparties: prepare detailed credit application by capturing relevant information as per internal policies, perform credit outlooks, recommend risk ratings using bank’s internal rating tools, and propose global credit limits based on internal risk appetite.
  • Obtain RISQ approvals on the ratings and credit limits within the specified timelines, and ensure that the internal systems are accurately updated.
  • Process one-off credit requests in a timely manner to meet business deadlines and maintain the annual review cycle.
  • Research and analyze financial data on the counterparty to prepare high-quality analysis in credit applications that addresses both client credit risk and transaction risk.
  • Knowledge of capital markets and credit-related products, particularly derivatives, securities lending/repo, and trade finance
  • Manage key components of counterparty credit administration such as, negotiating and controlling trading legal documentation (ISDA/CSA, GMRA, GMSLA). Should be familiar with credit terms for legal documents and co-ordinate with Legal department on client negotiations.
  • Perform ongoing monitoring of client credit quality to identify a possible deterioration and propose appropriate actions (changes in risk rating & limits).
  • Closely monitor developments related to regulatory, industry, counterparty events, and track external rating changes
  • Monitor exposure and manage credit limit exceptions/overshoots and participate in other internal monitoring. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure.
  • Assist in performing stress tests on banking sectors, and preparing sectoral research and outlook.
  • Coordinate and liaise with several internal stakeholders: FIG Relationship Managers/Bankers, Business Lines/Traders, Legal, Risk, KYC, Operations and others.

Profile required



  • Ability to organize time and manage deliverables to deadlines.
  • Ability to identify and accommodate shifting priorities with little notice.
  • Ability to analyze and evaluate counterparty risk and financial condition based on quantitative and qualitative data. 
  • Acquire ability to complete work with minimal or no supervision.
  • Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors.
  • Ability to work in a team environment, interfacing with team members, front-office bankers and salespersons, risk team, and clients.



  • Proficiency using Word for written analysis and Excel for spreadsheet analysis
  • Ability to acquire knowledge of the accounting, legal and regulatory issues governing relevant sectors.
  • Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed result(s)
  • Ability to write concisely and in a way that conveys analysis and conclusions with minimal follow-up questions.
  • Working knowledge of trading documentation.
  • Knowledge of third-party information sources like SNL, Thomson Reuters, Capital IQ, Bloomberg, etc
  • Develop competency with SG’s internal systems.


  • Knowledge of capital markets/OTC traded products, Securities lending/repo business and trade finance facilities.
  • Excel skills, such as macros and pivot tables.


Required: 3+ years of overall credit analysis experience in the FI space


Required: CA / Post-graduate (in Finance) from renowned university



  • Fluency in English, both written and verbal.

Why join us

“We are committed to creating a diverse environment and are proud to be an equal opportunity employer. All qualified applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status”.

Business insight

At Societe Generale, we are convinced that people are drivers of change, and that the world of tomorrow will be shaped by all their initiatives, from the smallest to the most ambitious.
Whether you’re joining us for a period of months, years or your entire career, together we can have a positive impact on the future. Creating, daring, innovating and taking action are part of our DNA.
If you too want to be directly involved, grow in a stimulating and caring environment, feel useful on a daily basis and develop or strengthen your expertise, you will feel right at home with us!
Still hesitating?
You should know that our employees can dedicate several days per year to solidarity actions during their working hours, including sponsoring people struggling with their orientation or professional integration, participating in the financial education of young apprentices, and sharing their skills with charities. There are many ways to get involved.

We are an equal opportunities employer and we are proud to make diversity a strength for our company. Societe Generale is committed to recognizing and promoting all talents, regardless of their beliefs, age, disability, parental status, ethnic origin, nationality, sexual or gender identity, sexual orientation, membership of a political, religious, trade union or minority organisation, or any other characteristic that could be subject to discrimination.

Reference: 210006PN
Entity: SG Global Solution Centre
Starting date: immediate
Publication date: 2021/09/09