Job Title:  Consultant | Credit Underwriting | Bengaluru | Regulatory & Financial Risk

The team

Deloitte Strategy, Risk & Transaction helps entities mitigate risk while discovering new opportunities to create value. Our end-to-end risk services span all domains, from managing strategic risks in the C-Suite to improving board oversight, and from balancing financial and environmental policies to addressing cyber threats. Learn more about Risk, Regulatory & Forensic)

Your work 

• Performed comprehensive credit assessments for Corporate and FI borrowers across global market, including financial analysis, business evaluation, peer benchmarking, and ESG review, with emphasis on corporate clients.
• Prepared underwriting papers, credit notes, review memos, renewal packs, and new-money proposals by synthesizing borrower financials, industry data, and internal risk guidelines.
• Supported Relationship Managers through financial spreading, data verification, document checks, and responses to portfolio-related queries.
• Monitored portfolio risk through covenant tracking, early-warning indicators, exposure analysis, and compliance with approval conditions, escalating exceptions where necessary.
• Coordinated with Legal and Operations to ensure accurate, complete, and compliant facility and security documentation.
• Ensured adherence to internal credit policies, regulatory requirements, and operational controls to mitigate credit and compliance risk.
• Participated in deal discussions and credit forums, contributing analytical insights and risk perspectives.
• Assisted senior analysts with sector analysis, climate-risk inputs, sustainability assessments, and thematic portfolio reviews.
• Conducted research on counterparties and sectors, including climate-related metrics, transition-risk factors, and policy-driven eligibility checks.
• Supported process improvement initiatives to streamline credit workflows, enhance documentation quality, and strengthen analytical consistency.

Key skills required: 

• Postgraduate degree or professional qualification (CA / CFA / FRM preferred).
• Strong foundation in credit analysis, financial ratios, and corporate finance.
• Solid Excel skills; ability to work with financial models and large datasets.
• Understanding of banking products, lending structures, and basic risk concepts.
• Familiarity with ESG and climate-risk principles (preferred, not mandatory).
• Strong writing skills — capable of producing clear and structured credit notes.
• Detail-oriented, disciplined with controls, and comfortable working in high-volume environments.
• Atleast 3 years of experience in Corporate and FI credit analysis or underwriting, with preferred exposure to the US market (primarily corporate-side focus).