Risk Analyst - Mumbai

In Scope of Position based Promotions (INTERNAL only)

Job Title: Risk Analyst - Associate

Location: Mumbai, India

Role Description

Risk division has a fundamental responsibility to protect the Bank. With group-wide responsibility for the management and control of credit, market, operational and reputational risks, we have a unique vantage point which allows us a holistic view of our businesses and our clients.

Nearly 4,000 employees work together in our division to achieve our ambition to be an industry-leading risk management organisation.

In an increasingly complex environment, risk management is fast-becoming the most sought after place to build a career within the banking world. Risk at Deutsche Bank is relied upon to help shape the strategy of the organisation and the wider industry agenda. The Global Credit Rating Team (GCRT) is entrusted with the work of assigning and surveillance of Probability of Default Rating to Corporate and Institutional counterparties of the Bank. As part of Risk’s transformation journey, GCRT is bringing Credit documentation to its purview and requires strong analysts to handle the same.

What we’ll offer you

• Best in class leave policy
• Gender neutral parental leaves
• 100% reimbursement under child care assistance benefit (gender neutral)
• Flexible working arrangements
• 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

• Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis.
• Write Rating reports and credit reviews/analysis for recommendation to Senior members for approval.
• Active participation in Live trades with onshore credit officers (KCP) by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same.
• On-going monitoring & surveillance of assigned international portfolios, including rating changes, market/industry developments,news events, etc and assessing the impact on credit worthiness of the counterparty, keeping DB’s exposure in mind.
• Understand the various banking products (including Trade Finance and Derivatives) and credit documentation for the same. Support the KCP with appropriate checks and its inclusion in the credit reviews.
• Monitoring of limits/exposure: Updating Limit amendments and credit relevant data updates in the credit system. Exposure monitoring and timely clearance of Excess tickets. Timely monitoring of covenants and regular discussion with KCPs.
• Manage own credit portfolio and assist senior decision makers to make informed decisions based on your recommendations
• Interface directly across with the Credit officers (KCP) and other stakeholders (business side, Exposure managements, and various ops teams) to ensure complete understanding of DB’s exposure and timely completion of the credit reviews.
• Participate in ad-hoc projects related to portfolio exercises (industry/regional exercise), regulatory developments, sector notes, audit exercises and support onshore KCPs for various business strategies.
• Ensure compliance with relevant and applicable local and global regulatory and policy requirements

Your skills and experience

• Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc.
• Relevant work experience in credit underwriting
• Strong analytical skills, knowledge of financial markets and economic/industry trends
• Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance

How we’ll support you

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

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.