Job Description

Purpose of the role

To assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirement and analysing financial information, evaluating creditworthiness, and recommending credit terms and conditions to ensure responsible lending practices.

Accountabilities

• Analysis of lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity.
• Monitoring the performance of approved lending , identifying potential risks and early warning signs of delinquency.
• Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions.
• Provision of independent credit decisions on lending applications, adhering to established credit policies, risk parameters, and regulatory requirements.
• Development and implementation of appropriate course of action for troubled lending , including workout plans, restructuring, or collections.

Analyst Expectations

• To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement.
• Requires in-depth technical knowledge and experience in their assigned area of expertise
• Thorough understanding of the underlying principles and concepts within the area of expertise
• They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources.
• If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.
• OR for an individual contributor, they develop technical expertise in work area, acting as an advisor where appropriate.
• Will have an impact on the work of related teams within the area.
• Partner with other functions and business areas.
• Takes responsibility for end results of a team’s operational processing and activities.
• Escalate breaches of policies / procedure appropriately.
• Take responsibility for embedding new policies/ procedures adopted due to risk mitigation.
• Advise and influence decision making within own area of expertise.
• Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct.
• Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function.
• Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function.
• Make evaluative judgements based on the analysis of factual information, paying attention to detail.
• Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents.
• Guide and persuade team members and communicate complex / sensitive information.
• Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation.

All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave.

Join us as Credit Risk Analyst where you will conduct detailed credit analysis and due diligence for Corporate, Financial Institution, PSU, and Sovereign clients across India. Prepare high-quality credit proposals and recommendation notes for senior credit sanctioners and risk committees. Analyze financial statements, cash flows, balance sheets, profitability metrics, and industry trends to assess credit risk. Monitor emerging risks, adverse developments, and sector-specific trends, escalating concerns and recommending corrective actions where necessary. Maintain data integrity across credit risk systems, ensuring limits, ratings, and risk parameters are updated accurately. Support senior credit officers in developing portfolio-level risk insights and exposure monitoring. Ensure adherence to internal credit policies, risk frameworks, and regulatory requirements. Collaborate with business, risk, and support functions to facilitate sound credit decision-making.

To be successful as an Analyst – Credit Risk, you should have:

• Strong understanding of corporate credit analysis and risk assessment methodologies.
• Ability to interpret and evaluate financial statements, cash flow analysis, leverage metrics, and key credit indicators.
• Knowledge of banking products, lending structures, and risk management principles.
• Strong analytical and problem-solving capabilities with excellent attention to detail.
• Effective stakeholder management and communication skills.
• Proficiency in MS Excel, Word, and PowerPoint.

You will be assessed on:

• Quality and accuracy of credit assessments and recommendations.
• Financial analysis and risk identification capabilities.
• Ability to manage risk and maintain strong controls.
• Stakeholder engagement and collaboration.
• Compliance with internal policies, regulatory requirements, and risk governance standards.
• Problem-solving, judgment, and decision-making skills.

Basic / Essential Qualifications:

• Graduate degree with strong academic credentials.
• Experience in Credit Risk, Corporate Banking, Investment Banking, Risk Management, Financial Analysis, or related domains.
• Strong financial statement analysis and credit underwriting skills.
• Proficiency in MS Office applications, particularly Excel.

Desirable Skillsets:

• MBA (Finance), CA, CFA, FRM, or other relevant professional qualifications.
• Experience within Corporate & Investment Banking environments.
• Knowledge of credit risk systems, portfolio monitoring, and regulatory frameworks.
• Understanding of Indian corporate, financial institution, PSU, and sovereign credit markets.

Job location is Mumbai.