Risk-Bengaluru-Senior Analyst-Credit Risk

Bengaluru, Karnataka, India

Job Description

The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm.

Role Teaser, Division Description, Team Description
Risk Division, Corporate Credit Research Group
The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm. Corporate Credit Research Group provides fundamental credit analysis of corporate lending and derivatives trading clients and ensures appropriate internal credit rating maintenance in terms of accuracy and timeliness.
Job Summary & Responsibilities (External), Basic Qualifications, Preferred Qualifications
 

YOUR IMPACT
How would you like to be involved in a central part of Goldman Sachs' risk management framework? We are looking for a highly motivated individual who is able to deliver credit risk analysis on corporate transactions, on the basis of a thorough understanding of credit fundamentals, of leveraged capital structures and of risks associated with lending and derivatives products. You will be responsible, from a Credit Risk standpoint, for a portfolio of EMEA / Asia Corporates, and you will be expected to manage it on the basis of a deep understanding of credit fundamentals, market trends, impact of changing regulation requirements and risks associated with lending and derivatives products transactions.
 

OUR IMPACT
The Risk Division is a team of specialists charged with managing the firm’s risk, and providing the overall financial control and reporting functions. Whether assessing the creditworthiness of the firm’s counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm’s success. The division is ideal for collaborative individuals who have strong ethics and attention to detail.
Credit Risk works closely with the CRO / senior management to manage Goldman Sachs’ credit risk. Credit professionals protect the firm’s capital by using in-depth knowledge of our clients, markets, and trading products to make decisions on acceptable level of firm’s risk appetite. Staffed with 300 professionals, Credit Risk operates through 11 different offices around the world. Credit Risk provides a unique opportunity to develop a variety of professional skills and expertise in risk management while working on financial transactions.


HOW YOU WILL FULFILL YOUR POTENTIAL
• Senior role in the team: subject matter expert in corporate credit analysis and leveraged lending; ICR Approvals; mentor to junior colleagues; leading role in efficiency and corporate analysis/rating methodology initiatives; point of contact for internal and external auditors and US/EMEA regulators; coverage for Shared National Credit eligible exposures,
manage the firm’s bank loan exposure in collaboration with Investment Banking Division and Portfolio Management teams in US, EMEA and Asia.
• Cover all types of leveraged lending RCF and M&A financing exposures in EMEA IG and non-IG corporate Retail, Consumer and Diversified Industrials sectors
• Assess the credit and financial strength of the firm's corporate borrowers and counterparts by performing fundamental corporate credit analysis using both quantitative and qualitative risk factors
• Determine PD and regulatory risk ratings based on an independent view of cash flow projections. Present and defend your rating recommendations at risk rating council meetings with senior credit professionals
• Conduct ongoing risk party level credit monitoring and industry specific research for covered portfolios
• Determine acceptable levels of credit exposure. Write, submit and defend annual/quarterly credit reviews
• Build and maintain financial projection models for your corporate borrowers that support your rating conclusions
• Develop and manage relationships with colleagues within global Credit Research Group and from the broader risk division in Warsaw and other locations as well as with other areas of the firm


SKILLS & EXPERIENCE WE'RE LOOKING FOR
• Minimum Bachelor’s degree in Finance, Economics or Business
• Broad knowledge of financial and accounting principles and interest and familiarity with finance, financial markets and economic developments
• Minimum 1-3 years of relevant experience in an analytical financial role, preferably within credit risk management.
• Strong analytical and quantitative skills
• Ability to self-organize and demonstrated attention to detail
• Strong written and verbal communication skills in English
• Ability to work flexibly in multinational environment and manage a varied workload to meet deadlines 

ABOUT GOLDMAN SACHS

 
At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. 

 
We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers. 

 
We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html

 

 
© The Goldman Sachs Group, Inc., 2023. All rights reserved.
Goldman Sachs is an equal employment/affirmative action employer Female/Minority/Disability/Veteran/Sexual Orientation/Gender Identity

 

Job Info

  • Job Identification 136028
  • Job Category Senior Analyst
  • Posting Date 09/10/2024, 09:01 AM
  • Locations Bengaluru, Karnataka, India

We Offer Best-In-Class Benefits

Analysis
Healthcare & Medical Services
We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally
holiday and vacation policies
Holiday & Vacation Policies
We offer competitive vacation policies based on employee level and office location. We promote time off from work to recharge by providing generous vacation entitlements and a minimum of three weeks expected vacation usage each year.
Finance
Financial Wellness & Retirement
We assist employees in saving and planning for retirement, offer financial support for higher education, and provide a number of benefits to help employees prepare for the unexpected. We offer live financial education and content on a variety of topics to address the spectrum of employees’ priorities.
Analysis
Health
We offer a medical advocacy service for employees and family members facing critical health situations, and counseling and referral services through the Employee Assistance Program (EAP). We provide Global Medical, Security and Travel Assistance and a Workplace Ergonomics Program. We also offer state-of-the-art on-site health centers in certain offices.
Fitness
Fitness
To encourage employees to live a healthy and active lifestyle, some of our offices feature on-site fitness centers. For eligible employees we typically reimburse fees paid for a fitness club membership or activity (up to a pre-approved amount).
Family
Childcare & Family
We offer on-site child care centers that provide full-time and emergency back-up care, as well as mother and baby rooms and homework rooms. In every office, we provide advice and counseling services, expectant parent resources and transitional programs for parents returning from parental leave. Adoption, surrogacy, egg donation and egg retrieval stipends are also available.
Family
Benefits at Goldman Sachs
Read more about the full suite of class-leading benefits our firm has to offer..

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