Job Title:  Manager | 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

• Perform comprehensive credit assessments, including financial analysis, business evaluation, and peer benchmarking with emphasis on corporate clients.
• Prepare underwriting papers, credit notes, renewal proposals, and NTB requests by synthesizing borrower financials, sector data, and internal risk guidelines.
• Support Business with financial spreading, data verification, documentation checks, and portfolio-related queries.
• Coordinate with Legal and Operations to ensure facility and security documentation is accurate and compliant with approved terms.
• Monitor portfolio performance through covenant tracking, exposure review, early-warning indicators, and adherence to approval conditions; escalate deviations when required.
• Maintain clear communication with business, risk, and support teams to ensure smooth and controlled credit execution.

Key skills Required

• 6 Years of experience in corporate credit analysis.
• Advanced financial analysis, credit ratios, cash-flow evaluation, lending structures.
• Financial modelling, excel proficiency, data validation
• Credit policy interpretation, documentation governance, controls.
• Postgraduate degree or professional qualification preferred (CA / CFA/ FRM).
• Strong grounding in credit analysis, financial ratios, corporate finance, and banking products.
• Deep familiarity with credit controls, documentation standards, governance, and audit-focused processes.