Job Title:  Deputy Manager | Business Analyst Regulatory | Pune | Regulatory & Financial Risk

The team

Innovation, transformation and leadership occur in many ways. At Deloitte, our ability to help solve clients’  most complex issues is distinct. We deliver strategy and implementation, from a business and technology view, to help you lead in the markets where you compete.

Your work profile

As an Manager in our Regulatory and Financial Risk team you’ll build and nurture positive working relationships with teams and clients with the intention to exceed client expectations. You’ll:

• ·Evaluate loan applications for commercial and wholesale banking clients, ensuring adherence to internal credit policies, risk appetite, and regulatory frameworks (e.g., Basel III).
• Prepare detailed credit memos and present recommendations to the credit committee.
• Structure and negotiate credit facilities, including term loans, working capital, trade finance, and real estate-backed loans.
• Credit Analysis: Assess creditworthiness by analyzing borrowers’ financial statements, cash flow projections, and risk factors.
• Perform thorough due diligence on borrowers, guarantors, and collateral.
• Loan Document Review: Conduct thorough reviews of loan documentation to identify risks and ensure compliance with legal and organizational requirements.
• Financial Statement / Ratio Analysis: Analyze key financial ratios, trends, and statements to provide recommendations on lending decisions.
• Corporate/FI Onboarding: Collaborate with internal stakeholders to ensure smooth onboarding of corporate clients and financial institutions, while maintaining compliance standards.
• Collaboration: Partner with relationship managers to design client-specific solutions.
• Proven experience with commercial and wholesale loans, including loan structures and risk assessment methodologies.
• Strong understanding of commercial/wholesale banking products, such as term loans, trade finance, and CRE lending.
• Expertise in financial modelling, cash flow analysis, and debt capacity assessment.
• Familiarity with credit scoring systems, loan documentation, and collateral management.
• Proficiency in credit analysis, including financial statement interpretation and ratio analysis.
• Ability to assess cash flows and financial trends to support sound lending decisions.
• Expertise in reviewing and interpreting loan documentation to identify and mitigate associated risks.
• Perform comprehensive credit assessments, including financial analysis, business evaluation, peer benchmarking, and ESG review, with emphasis on corporate clients.
• Prepare underwriting papers, credit notes, renewal proposals, and new-money requests by synthesizing borrower financials, sector data, and internal risk guidelines.
• Contribute analytical insights during deal discussions and credit committee/approval forums.
• 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.
• Conduct sector and counterparty research, including climate-risk and sustainability-related assessments.
• Tenured professionals to lead the credit underwriting team by allocating work, reviewing outputs, coaching analysts, and enhancing overall credit-writing capability.
• Provide guidance on deal structuring and collaborate with RMs, Risk, Legal, and Operations to finalise covenants, terms, and execution requirements.
• Maintain clear communication with business, risk, and support teams to ensure smooth and controlled credit execution.

 Key skills required: 

•  Lead end-to-end control framework for Custody product. Define and implement key control activities, identify gaps, and ensure alignment with internal policies and regulatory expectations. Collaborate across Ops, Risk, Compliance. Drive control testing, remediation, and governance reporting. Strong experience in custody operations, product control, risk & controls.
• Minimum relevant experience of 8 Years in credit domain.
• Advanced financial analysis, credit ratios, cash-flow evaluation, lending structures
• Financial modelling, excel proficiency, data validation
• Credit policy interpretation, documentation governance, controls
• ESG and climate-risk assessment exposure
• Stakeholder management, negotiation, and team guidance (for senior levels)
• 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.
• Understanding of ESG/climate-risk principles (preferred).
• Strong analytical and decision-making skills.
• Excellent verbal and written communication skills.
• Ability to work under pressure and manage multiple priorities.